Mintos vs Twino
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash — returns, sentiment and facts side by side.
Community data compared
As of July 13, 2026
 Mintos |  Twino | |
|---|---|---|
| Community ranking 2026 | #17 of 34 | #18 of 34 |
| Median net return (XIRR) | 10.9% | 11.7% |
| Middle 50% | 9.0% – 12.7% | 10.7% – 12.9% |
| Add funds / reinvest | 54% · 229 votes | 52% · 63 votes |
| Median cash drag | 3.0% | 2.2% |
| Investors on P2P Dash | 935 | 231 |
| Combined portfolio value | €9.28M | €1.16M |
| Interest earned all-time | €3.17M | €378K |
Platform facts
| Founded | 2015 | 2015 |
| Headquarters | 🇱🇻 Latvia | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | Yes | Yes |
| Auto-Invest | Yes | Yes |
What the data says
Measured by real portfolios on P2P Dash, Twino currently delivers the higher median net return: 11.7% versus 10.9% at Mintos.
Mintos is the bigger platform on P2P Dash, with 935 investors tracking it versus 231 for Twino.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Mintos or Twino?
Among P2P Dash investors, Twino currently shows the higher median net return (XIRR): 11.7% versus 10.9% (as of July 13, 2026). The middle 50% of portfolios earn 9.0% – 12.7% at Mintos and 10.7% – 12.9% at Twino.
Where do investors put new money right now — Mintos or Twino?
As of July 13, 2026, 54% of stated strategies at Mintos are “add funds” or “reinvest”, compared to 52% at Twino.
How do I compare my own returns on Mintos and Twino?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform — directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income — per platform and combined.