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#1 NEW

Mintos

Position #1 - September 2026

MinimumEUR 50
RegulationFCMC (Latvia)
Founded2015
Based inRiga, Latvia
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Capital at risk. Returns are not guaranteed.

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Mintos opens our inaugural September 2026 ranking at #1 - a position it earns by sheer breadth, regulatory maturity, and liquidity. No other European P2P marketplace connects investors with as many loan originators across as many countries, and its transition to MiFID-compliant Notes has given it a regulatory edge that few competitors can match right now.

At a Glance

MetricDetail
Position#1 (September 2026)
Min. InvestmentEUR 50
Typical Yields8-12%
Loan TypesConsumer, business, mortgage, car
RegulationFCMC licensed (Latvia)
Auto-InvestYes
Secondary MarketYes
Buyback GuaranteeAvailable on select loans

What is Mintos in 60 Seconds

Mintos is a marketplace that connects investors with loans issued by third-party lending companies worldwide. Instead of originating loans itself, Mintos aggregates them from 60+ loan originators across Europe, Asia, Africa, and Latin America. You pick the risk level and country exposure you want, or let the auto-invest tool build a portfolio for you. Since 2021, Mintos has been regulated by the FCMC in Latvia and operates a MiFID-compliant Notes product, meaning your investments are structured as financial instruments rather than raw loan claims.

Strengths

  • Scale and diversification - More loan originators and geographies than any competing platform, letting you spread risk across dozens of economies.
  • Regulatory maturity - FCMC license and MiFID-compliant Notes provide an institutional-grade framework rare in the crowdlending space.
  • Liquidity - An active secondary market makes it possible to exit positions before maturity, something many P2P platforms lack entirely.
  • Transparency - Detailed loan originator ratings, risk scores, and financial reporting give investors the data they need to make informed choices.

Things to Watch

  • Loan originator risk - Mintos does not guarantee every originator. Several have defaulted or suspended operations in the past, and recovery can be slow.
  • Yield compression - As the platform has grown and regulated, average returns have gradually declined from early double-digit highs.
  • Complexity - The sheer number of originators, filters, and strategies can overwhelm newer investors. The learning curve is real.
  • Pending recovery claims - Some older exposures tied to suspended originators are still being resolved, and the timelines remain uncertain.

How It Works

  1. Register and complete identity verification (KYC).
  2. Deposit funds via bank transfer (EUR).
  3. Browse available Notes by loan originator, country, interest rate, and duration - or activate auto-invest with your chosen parameters.
  4. Interest accrues as borrowers repay. You can reinvest automatically or withdraw.
  5. Use the secondary market to sell Notes before maturity if you need liquidity.

Who Is It For

Mintos fits investors who want broad diversification across countries and loan types within a single regulated platform. It is especially suited for those comfortable with a marketplace model and who value the ability to exit positions through a secondary market. If you want simplicity and a single loan originator, platforms like PeerBerry or Robocash may be a better starting point.

How It Compares

  • vs. PeerBerry - PeerBerry offers a simpler, single-group experience with slightly higher yields, but no secondary market and fewer loan types.
  • vs. Twino - Twino is a veteran with its own lending license, but its product range and originator count are far smaller than Mintos.
  • vs. EstateGuru - EstateGuru focuses exclusively on real estate-backed loans, offering collateral that Mintos consumer loans lack - but with lower liquidity.

FAQ

Is Mintos safe? Mintos is regulated by the FCMC in Latvia and operates under MiFID rules. However, individual loan originators carry their own risk, and past defaults have shown that regulation does not eliminate losses.

What returns can I expect on Mintos? Current average yields range from 8% to 12%, depending on the loan type, originator, and duration you select. Higher-risk originators offer more, but with greater default probability.

Can I withdraw my money early? Yes. Mintos has an active secondary market where you can sell your Notes to other investors before maturity. Selling at a discount may be necessary for faster exits.

Does Mintos have a buyback guarantee? Some loan originators offer buyback guarantees on their loans. This is originator-specific, not platform-wide, so check each offering.

The Bottom Line

Mintos earns the #1 position this month because no other platform in Europe matches its combination of scale, regulatory standing, and investor tooling. It is not perfect - originator defaults remain a real risk, and yields are more modest than they were in the platform’s early days. But for a well-rounded P2P portfolio anchored in a regulated framework, Mintos is the benchmark the rest of the market measures itself against.

Affiliate Disclosure

TopPulse may receive a commission if you sign up through links on this page. This does not affect our ranking or editorial assessment. You can always sign up directly at mintos.com.

Is Mintos safe?
Mintos is regulated by the FCMC in Latvia and operates under MiFID rules. However, individual loan originators carry their own risk, and past defaults have shown that regulation does not eliminate losses.
What returns can I expect on Mintos?
Current average yields range from 8% to 12%, depending on the loan type, originator, and duration you select. Higher-risk originators offer more, but with greater default probability.
Can I withdraw my money early?
Yes. Mintos has an active secondary market where you can sell your Notes to other investors before maturity. Selling at a discount may be necessary for faster exits.
Does Mintos have a buyback guarantee?
Some loan originators offer buyback guarantees on their loans. This is originator-specific, not platform-wide, so check each offering.

Sources

  1. mintos.com
  2. fktk.lv
  3. mintos.com
  4. explore-p2p.com

User reviews

4.4 / 5 from 45 reviews
  1. Ursula B.

    Great platform overall but withdrawal processing could be faster. Takes 2-3 business days which feels slow compared to some competitors.

  2. Gustav H.

    Strong platform with proper regulation. The only thing holding me back from 5 stars is the somewhat limited customer support hours.

  3. Daniel J.

    Very satisfied with Mintos. Clean interface, reliable auto-invest, and consistent returns. What more could you ask for?

  4. Joanna L.

    Top-tier P2P platform. I split my investments across multiple originators and the diversification tools make it simple.

  5. Aleksander A.

    Four stars because while the returns and platform are great, the reporting tools for tax purposes could be more comprehensive.

  6. Dorota D.

    Mintos is okay. The platform works fine but I have had a few investments stuck in recovery which is frustrating. Diversification helps.

  7. Stefan P.

    Excellent platform with a huge selection of loan originators. Diversification is easy and the secondary market adds great liquidity.

  8. Wojciech K.

    The platform itself is well built but my actual returns after defaults are lower than the headline numbers suggest. Be realistic.

  9. Lidia U.

    Decent platform but returns have been lower than expected lately. Still better than a savings account but not as exciting as it used to be.

  10. Julia A.

    Good experience overall. Returns are as advertised and the platform is professional. Minor UI improvements would make it perfect.

  11. Krzysztof R.

    Mintos Notes are a great addition. Finally a regulated product that still offers decent returns. The platform keeps evolving in the right direction.

  12. Michal S.

    Average experience. Some months are good, others not so much. The pending payments from certain originators make me nervous.

  13. Cosmin F.

    Mintos is my primary P2P platform. Works well most of the time but I have experienced occasional slowness during high-traffic periods.

  14. Elena L.

    Mintos works well and returns are solid. The only downside is that some originators have suspended ratings which creates uncertainty.

  15. Christian E.

    The Mintos platform is well designed and easy to navigate. Even as a beginner, I felt comfortable investing from day one.

  16. Jochen G.

    Mintos has been my go-to platform for over two years now. The auto-invest feature works flawlessly and I consistently see returns around 11-12%. Highly recommended for passive income seekers.

  17. Martina U.

    Good returns and reliable platform. My only complaint is that the mobile app could use some improvements. Desktop experience is much better.

  18. Alexander R.

    Good platform, reliable returns. Would love to see more filtering options in the secondary market. Otherwise very satisfied.

  19. Georg V.

    Mintos is great for experienced investors but the learning curve for beginners could be smoother. Once you get it, it is excellent.

  20. Tomas J.

    Five stars for Mintos. Reliable, transparent, and continuously improving. The team clearly cares about investor experience.

  21. Andrea V.

    Really like Mintos but the minimum investment amount for some Notes feels a bit high. Would prefer more flexibility for smaller investors.

  22. Dominik D.

    The range of investment options on Mintos is unmatched. From short-term loans to longer maturities, there is something for every strategy.

  23. Peter R.

    Consistently earning above 10% on Mintos. The platform is mature, reliable, and I trust it with a significant portion of my portfolio.

  24. Christine F.

    Solid platform with great track record. My average return sits around 10.5% which is exactly what I expected. No surprises, just steady growth.

  25. Rasmus R.

    Mintos delivers on its promises. Consistent returns, broad diversification, and a regulated environment. Cannot ask for more.

  26. Artur I.

    Really impressed with how Mintos handles everything. The dashboard gives a clear overview and auto-invest does the heavy lifting.

  27. Florian A.

    Mintos is the most professional P2P platform I have tried. Great UI, solid returns, and proper regulation under Latvian FCMC.

  28. Sebastian O.

    Mintos is simply the best in the European P2P space. Large marketplace, good returns, and a platform that actually listens to investors.

  29. Renate F.

    Mintos keeps getting better. The new Notes structure adds regulation and the returns are still attractive. Five stars from me.

  30. Ingrid N.

    Mintos is solid but I wish there were more short-term investment options. Most Notes have longer maturities than I prefer.

  31. Oskar J.

    I have been investing on Mintos since 2023 and never had a major issue. Customer support is responsive and the platform feels professional.

  32. Elise D.

    Love the transparency on Mintos. Every loan originator has detailed statistics and I can make informed decisions. Returns have been solid.

  33. Claudia K.

    Auto-invest on Mintos is a game changer. Set it up once and forget about it. My portfolio has grown steadily over the past year.

  34. Daniela V.

    Solid platform with competitive returns. I just wish the customer support response time was a bit quicker during peak periods.

  35. Marco I.

    I recommended Mintos to three friends and they all love it. Easy to start, intuitive interface, and the results speak for themselves.

  36. Brigitte S.

    Been using Mintos for 18 months. Zero issues with withdrawals and returns hovering around 11%. Very happy.

  37. Klara D.

    Best P2P platform I have used in Europe. The regulatory framework gives me confidence and the yields are competitive.

  38. Razvan W.

    Great platform. Deposits are fast, the investment process is smooth, and my returns have been right around what was advertised.

  39. Vlad W.

    Middle of the road for me. Mintos has the scale but some of the smaller platforms offer better returns with similar risk levels.

  40. Pavel A.

    Excellent selection of investments. Just wish they offered a bit more educational content for newer investors on the platform.

  41. Simona S.

    The secondary market on Mintos gives me peace of mind. If I ever need liquidity, I can sell my investments quickly.

  42. Jakub I.

    Very good platform. The only reason I am not giving 5 stars is because some loan originators have had issues in the past. Diversify well.

  43. Raluca R.

    Mintos stands out for its loan originator ratings. I can filter by risk and build a portfolio that matches my comfort level.

  44. Patrik O.

    Outstanding experience. Mintos auto-invest matched my criteria perfectly and I have not had to touch my settings in months.

  45. Karl U.

    Had some investments go into recovery and the process has been painfully slow. Communication about affected loans could be much better.