Mintos marketplace overview

Mintos logo

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Mintos is a peer-to-peer lending marketplace based in Latvia that connects investors with borrowers of non-bank lenders. At Mintos, investors can invest in different types of loans originated by many different loan originators. On the other hand, by connecting to the Mintos marketplace, loan originators that have traditionally been balance sheet lenders can reap the benefits of the peer-to-peer lending model in funding their loans. It is an easy and transparent alternative to the traditional banking system.By connecting to the Mintos platform, loan originators get instant access to investors that are looking to purchase loans.

This is how it works:

  1. Borrowers apply for a loan at the loan originator.
  2. The loan originator evaluates the application, sets an interest rate and lends money from its own funds.
  3. The loans are then listed on the Mintos marketplace, where both individuals and institutional investors can select loans to invest in, thereafter receiving monthly principal and interest payments.

Who can invest?

Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

Family trusts, partnerships, limited liability companies and other organizations must have a bank account and be registered in the EU or third countries currently considered to have AML/CFT systems equivalent to the EU.

At the moment, US citizens or taxpayers cannot register as investors at Mintos.

In what currencies can investments be made?

Investments can be made in: EUR, CZK, PLN, DKK, GEL, RON, GBP.

One BIG ADVANTAGE is that Mintos marketplace has a currency exchange page, so if you want to invest in loans denominated in different currencies, you can buy corresponding currencies there. The currency exchange on the Mintos platform is instantaneous so there is no need to search for a bank or other currency exchange provider to convert your money. They use the mid-market rate to exchange your money from one currency to the other. The mid-market rate is considered the fairest exchange rate and can be found on independent sources such as Google and Reuters. The exchange fee is low, transparent and displayed upfront before conversion.

Loan types

At the moment on the Mintos platform can be made investments in the following types of loans:

  • Mortgage Loans
  • Car Loans
  • Business Loans
  • Agricultural Loans
  • Personal Loans
  • Short-Term Loans
  • Invoice Financing
  • Pawnbroking Loans

Many loans come with a 60 days buyback guarantee. A buyback guarantee is a guarantee issued by the loan originator to the investor for a particular loan, that confirms the loan originator will repurchase the loan from the investor if that particular loan is delayed by more than 60 days. The buyback guarantee is given at an individual loan level and is marked by . If a loan with a buyback guarantee is delayed by more than 60 days, the loan is automatically bought back by the loan originator from the investor at the nominal value of outstanding principal, plus accrued interest income.

Primary market and secondary market

Investment in loans can be done in two ways: through the primary market (where new loans are displayed) or through the secondary market (where the loans are offered by other investors).

The secondary market is a place where investors can place their investments for sale to other registered Mintos investors.
Benefits to investors selling loans on the secondary market include:
– more liquidity for their investments, which allows access to funds when necessary
– opportunities to profit by selling investments at a premium

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Benefits to investors buying loans on the secondary market:
– opportunities to make investments in loans not available on the primary market
– opportunities to profit by buying loans at a discount

The seller will be charged a commission of 1% of the sale price of the investment.


There are two ways to invest in loans: manual investing (when the investor browse loans currently listed on the Mintos marketplace in either the primary or secondary market and select loans individually to build your portfolio) or automatic investing using Autoinvest.

Auto Invest automatically implements your chosen investment strategy. After you have entered your investment criteria, Auto Invest will automatically invest in suitable loans. You can access Auto Invest at any time and follow your portfolio activity in real time to make sure it is working according to your investment goals. Auto Invest is a very efficient tool for saving time spent on investment activities. It also allows you to access newly placed loans in the system before manually-made investments.

You can pause or cancel Auto Invest at any time.

Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet them. Auto Invest will then continue to automatically analyze and invest in suitable new loans as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to make sure they meet your investment criteria.

At the moment Auto Invest does not invest in loans from the secondary market.


You can request a withdrawal through your investor account. To comply with anti-money laundering (AML) procedures, the first time a withdrawal is requested you will be asked to upload a picture or scan of your passport or both sides of an ID card that includes your picture and personal details. You can withdraw funds not invested in loans from your Mintos investor account to your bank or e-money account at any time.

You can withdraw all available funds — i.e. funds that are not invested in loans — from your account at Mintos.

Mintos imposes no charges for a withdrawal. However, your bank or money transfer service provider may charge additional fees for transfers. Please consult your bank or money transfer service provider to identify any such fees.

Mintos will process your withdrawal request within one (1) business day. Payments within the eurozone do not usually take more than one (1) business day; depending on the time of your withdrawal request, you should receive the transferred money within the same day or within a maximum of two (2) business days. Transfers outside the eurozone may take longer, depending on the bank.


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