Mintos
Mintos is Europe's largest peer-to-peer lending marketplace, founded in 2015 and headquartered in Riga, Latvia. The platform connects investors with loans from over 60 lending companies across 33 countries, offering access to consumer, business, and secured loans. Regulated by the Central Bank of Latvia under MiFID II since 2021, Mintos has facilitated over 12.7 billion EUR in investments. The platform features a secondary market and most loans include buyback guarantees from loan originators.
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Mintos in real numbers
Anonymized statistics from all Mintos portfolios tracked on P2P Dash — real investor data, not the platform's marketing numbers.
Median net return (XIRR)
10.9%
Based on 544 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 230 stated strategies
Combined portfolio value
€9,285,426
Investors on P2P Dash
937
Interest earned all-time
€3,171,760
Median cash drag
3.1%
Share of funds sitting uninvested
Important Notes
- Values may differ slightly from Mintos dashboard, as Mintos does not export all transactions (e.g., losses) and includes pending payments not yet in exports
- Defaults are not exported, but can be requested from support
- Import for defaults is not yet implemented
- Mintos explanation: Defaulted interest/principal is directly deducted from Pending account, not from personal account, therefore not visible in Account Statement
- Direct Bonds: The account statement export is incomplete for Direct Bonds investments - principal repayments and interest payments share the same transaction type ("Transfer from investments in bonds"), and premium/discount amounts are not properly exported. This causes value discrepancies that P2P Dash cannot resolve until Mintos improves their export. Mintos has acknowledged this limitation and plans to improve the account statement section for bonds.
Compare Mintos head-to-head
Frequently asked questions about Mintos
Answers based on anonymized community data from P2P Dash investors.
What is Mintos?
Mintos is a peer-to-peer lending platform, founded in 2015 (headquarters: Latvia). On P2P Dash, investors import their Mintos account statements to track the real net return they earn there.
What return do investors actually earn with Mintos?
Across 544 Mintos portfolios tracked on P2P Dash, the median net return (XIRR) is 10.9%. The middle 50% of investors earn between 9.0% and 12.7% (as of July 15, 2026).
How many investors track Mintos on P2P Dash?
937 investors track their Mintos portfolios on P2P Dash, with a combined portfolio value of €9,285,426 and €3,171,760 in interest earned all-time.
How does Mintos rank among P2P platforms?
Mintos ranks 17 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Mintos?
Of 230 stated strategies for Mintos, 54% plan to add funds or reinvest, 15% intend to hold, and 31% plan to reduce or exit (as of July 15, 2026).
Is Mintos regulated?
Yes, Mintos is a regulated platform supervised by Latvijas Banka.
Does Mintos offer a buyback guarantee?
Yes, Mintos offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Mintos portfolio?
Export your transaction history from Mintos (csv, excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more — across all your P2P platforms in one dashboard.