Tag Archives: investors

New high-yield Envestio project – Biomass fuel – factoring 5

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the project “Biomass fuel – factoring 5”, Envestio continues the successful cooperation with the representatives of the environmental-friendly energy industry.

This loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of RIETUMU ENERGIJA SIA.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in energy sector, factoring-type financing for a woodchips trading company.
  • Secured debt, 17% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company RIETUMU ENERGIA SIA is a venture that successfully works on the market of production and sale of woodchips. Woodchips are being used as raw material for a big number of cogeneration-type power plants across the Baltic region. This type of produced heat and electric energy is considered to be one of the most environment-friendly, as it does not create excessive pollution and ensures full utilization of timber, processed by woodworking factories.

Founded in 2013, RIETUMU ENERGIA SIA is cooperating with an established pool of buyers that ensures necessary and stable demand for woodchips. This pool is formed by several small and medium cogeneration power plants and Tukums city municipal company that provides heating to the city.

On the supply side RIETUMU ENERGIA SIA cooperates with big Latvian woodworking factories SIA Stiga RM un AS Latvijas Finieris, processes own timber as well as purchases imported raw materials.

The need for additional funds is justified by current situation on the Latvian woodchips market that is characterized by high seasonality and continuously growing demand for this type of raw materials. Summer season is characterized by lower prices at which woodchips are available for purchase from the bigger suppliers, however, up to 6 months payment delay from the final customer has to be faced in that case.

Covering this gap with the help of Envestio financing will allow getting extra profits during the winter season, when the price of woodchips reaches its maximum, and repay the investment principal to Envestio participants.

Market

During the last years Latvian market for woodchips was characterized by increasing demand for the qualitative product. The size of Latvian woodworking industry, which is the main internal supplier of raw woodchips for further processing, remains relatively stable; at the same time, the number of customers has been increasing almost exponentially. Cogeneration power plants and producers of wooden pellets are looking to purchase growing amounts of the raw materials. Given the constant supply and increasing number of foreign customers from countries like Estonia, Lithuania, and Poland this logically results in price increase and even product shortage on the market.

Besides the increasing demand the market also faces extreme seasonality. Woodchips can be purchased at cheaper price during the summer, at the same time, during the winter not all customers can handle the price growth (and still there is an excessive demand). In these conditions, a company that can purchase the woodchips during the low season, store it, and sell during the period of higher prices may achieve extra profits.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 14.02.2019 – EUR 14.44
  • 14.03.2019 – EUR 13.04
  • 14.04.2019 – EUR 14.44
  • 14.05.2019 – EUR 13.97
  • 14.06.2019 – EUR 14.44
  • 14.07.2019 – EUR 1013.97

Total expected return: EUR 1 084.30

 

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New Envestio project – Biomass fuel – factoring 4, extra lot

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the project “Biomass fuel – factoring 4, extra lot”, Envestio continues the successful cooperation with the representatives of the environmental-friendly energy industry.

This loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of RIETUMU ENERGIJA SIA.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in energy sector, factoring-type financing for a woodchips trading company.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company RIETUMU ENERGIA SIA is a venture that successfully works on the market of production and sale of woodchips. Woodchips are being used as raw material for a big number of cogeneration-type power plants across the Baltic region. This type of produced heat and electric energy is considered to be one of the most environment-friendly, as it does not create excessive pollution and ensures full utilization of timber, processed by woodworking factories.

Founded in 2013, RIETUMU ENERGIA SIA is cooperating with an established pool of buyers that ensures necessary and stable demand for woodchips. This pool is formed by several small and medium cogeneration power plants and Tukums city municipal company that provides heating to the city.

On the supply side RIETUMU ENERGIA SIA cooperates with big Latvian woodworking factories SIA Stiga RM un AS Latvijas Finieris, processes own timber as well as purchases imported raw materials.

The need for additional funds is justified by current situation on the Latvian woodchips market that is characterized by high seasonality and continuously growing demand for this type of raw materials. Summer season is characterized by lower prices at which woodchips are available for purchase from the bigger suppliers, however, up to 6 months payment delay from the final customer has to be faced in that case.

Covering this gap with the help of Envestio financing will allow getting extra profits during the winter season, when the price of woodchips reaches its maximum, and repay the investment principal to Envestio participants.

Market

During the last years Latvian market for woodchips was characterized by increasing demand for the qualitative product. The size of Latvian woodworking industry, which is the main internal supplier of raw woodchips for further processing, remains relatively stable; at the same time, the number of customers has been increasing almost exponentially. Cogeneration power plants and producers of wooden pellets are looking to purchase growing amounts of the raw materials. Given the constant supply and increasing number of foreign customers from countries like Estonia, Lithuania, and Poland this logically results in price increase and even product shortage on the market.

Besides the increasing demand the market also faces extreme seasonality. Woodchips can be purchased at cheaper price during the summer, at the same time, during the winter not all customers can handle the price growth (and still there is an excessive demand). In these conditions, a company that can purchase the woodchips during the low season, store it, and sell during the period of higher prices may achieve extra profits.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 06.11.2018 – EUR 17.84
  • 06.12.2018 – EUR 17.26
  • 06.01.2019 – EUR 17.84
  • 06.02.2019 – EUR 17.84
  • 06.03.2019 – EUR 16.11
  • 06.04.2019 – EUR 1017.84

Total expected return: EUR 1 104.73

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New Envestio project – Wood pellets – trade financing 2

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing project “Wood pellets – trade financing 2″, Envestio continues the successful cooperation with the representatives of the environmental-friendly energy industry.

The loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of NDINAMIKA SIA.

You can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in energy sector, factoring-type financing for a wood pellets trading company.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company NDINAMIKA SIA is a company that is successfully acting on the market of sale and delivery of wood pellets/biomass fuel to Latvian households, small agricultural complexes, and other consumers. Taking into consideration increasing prices for traditional fuel, such as natural gas and oil products, the demand for wood pellets is constantly increasing that provides good business opportunities for the market players.

Besides pricing, one more key factor that affects demand is absence of complex and pricey requirements to the heating system of the household. Burning pellets in an ordinary stove can perfectly heat a small and medium size (up to 150 m2) private house; no special gas or oil boiler or generator is necessary in that case. Pellets are easy to transport and store, they do not require a connection to centralized supply system, and have relatively high energetic efficiency.

Installation of a special pellet stove allows using pellets as fuel also for small industrial and agricultural complexes. Specialized pellet stove ensures higher efficiency than ordinary stoves and is comparable to gas boilers.

Pellets are mostly produced from local wood that ensures maximum utilization of this renewable resource. Pellet heating is considered to be one of the most environment-friendly, as it does not create excessive pollution, produces a very small amount of waste (which is traditionally used as a fertilizer by many households) and ensures full utilization of timber, processed by woodworking factories. Pellets are produced by chopping the pieces of wood into powder that is afterwards dried and processed in a granulator mill (pellet-mill) that forms it into pellets.

Established in the year 2013, NDINAMIKA SIA sells and delivers wood pellets to the final customers across the Latvia. Current business scheme assumes purchasing the stock of pellets during the low season (summer) and gradually selling it to the households and business consumers during the high season (autumn and winter).

The need for additional funds is justified by current situation on the Latvian biomass fuel market that is characterized by high seasonality and continuously growing demand for wood pellets, woodchips, and wood briquettes. Summer season is characterized by lower prices at which the fuel is available for purchase from the producers, however, up to 6 months payment delay from the final customer has to be faced in that case.

Covering this gap with the help of Envestio financing will allow purchasing additional stock now and getting extra profits during the winter season, when the price of woodchips reaches its maximum, and repay the investment principal to Envestio participants.

Market

During the last years Latvian market for biomass fuel that includes wood pellets, woodchips, wood briquettes, and similar products was characterized by increasing demand for the qualitative product. The size of Latvian woodworking industry, which is the main internal supplier of the raw materials for further processing, remains relatively stable; at the same time, the number of customers has been increasing almost exponentially.

While cogeneration power plants and producers of wooden pellets are looking to purchase growing amounts of the raw materials, a bigger number of consumers is looking to purchase biomass fuel for their business and private needs. Given the constant supply and increasing number of foreign customers from countries like Estonia, Lithuania, and Poland this logically results in price increase and even product shortage on the market.

Besides the increasing demand the market also faces extreme seasonality. Wood pellets can be purchased at cheaper price during the summer, at the same time, during the winter not all customers can handle the price growth (and still there is an excessive demand). In these conditions, a company that can purchase the wood pellets during the low season, store those in a dry warehouse thus preserving the quality, and sell during the period of higher prices may achieve extra profits.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 17.10.2018 – EUR 17.26
  • 17.11.2018 – EUR 17.84
  • 17.12.2018 – EUR 17.26
  • 17.01.2019 – EUR 17.84
  • 17.02.2019 – EUR 17.84
  • 17.03.2019 – EUR 1016.11

Total expected return: EUR 1 104.15

 

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New Envestio project – Biomass fuel – factoring 3, final lot

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the project Biomass fuel – factoring 3, final lot (this is the final project for this season from this Project Owner.), Envestio continues the successful cooperation with the representatives of the environmental-friendly energy industry.

This loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of RIETUMU ENERGIJA SIA.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in energy sector, factoring-type financing for a woodchips trading company.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company RIETUMU ENERGIA SIA is a venture that successfully works on the market of production and sale of woodchips. Woodchips are being used as raw material for a big number of cogeneration-type power plants across the Baltic region. This type of produced heat and electric energy is considered to be one of the most environment-friendly, as it does not create excessive pollution and ensures full utilization of timber, processed by woodworking factories.

Founded in 2013, RIETUMU ENERGIA SIA is cooperating with an established pool of buyers that ensures necessary and stable demand for woodchips. This pool is formed by several small and medium cogeneration power plants and Tukums city municipal company that provides heating to the city.

On the supply side RIETUMU ENERGIA SIA cooperates with big Latvian woodworking factories SIA Stiga RM un AS Latvijas Finieris, processes own timber as well as purchases imported raw materials.

The need for additional funds is justified by current situation on the Latvian woodchips market that is characterized by high seasonality and continuously growing demand for this type of raw materials. Summer season is characterized by lower prices at which woodchips are available for purchase from the bigger suppliers, however, up to 6 months payment delay from the final customer has to be faced in that case.

Covering this gap with the help of Envestio financing will allow getting extra profits during the winter season, when the price of woodchips reaches its maximum, and repay the investment principal to Envestio participants.

Market

During the last years Latvian market for woodchips was characterized by increasing demand for the qualitative product. The size of Latvian woodworking industry, which is the main internal supplier of raw woodchips for further processing, remains relatively stable; at the same time, the number of customers has been increasing almost exponentially. Cogeneration power plants and producers of wooden pellets are looking to purchase growing amounts of the raw materials. Given the constant supply and increasing number of foreign customers from countries like Estonia, Lithuania, and Poland this logically results in price increase and even product shortage on the market.

Besides the increasing demand the market also faces extreme seasonality. Woodchips can be purchased at cheaper price during the summer, at the same time, during the winter not all customers can handle the price growth (and still there is an excessive demand). In these conditions, a company that can purchase the woodchips during the low season, store it, and sell during the period of higher prices may achieve extra profits.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 27.09.2018 – EUR 17.84
  • 27.10.2018 – EUR 17.26
  • 27.11.2018 – EUR 17.84
  • 27.12.2018 – EUR 17.26
  • 27.01.2019 – EUR 17.84
  • 27.02.2019 – EUR 1017.84

Total expected return: EUR 1 105.88

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New investment project in Latvia announced by Bulkestate – Nometnu Street – Launch 28 august 2018

Bulkestate logo

Bulkestate announced today that it is preparing to launch a new investment project in Latvia, Riga.

Launch time: Tuesday / 28 August 2018 / 17:00 (EEST)

Project

Bulkestate OÜ has signed a purchase agreement for a property (land 2,077 square metres and building) located on Nometnu 18, Riga. The property is a part of Riga’s famous Art Noveau collection, a 4-storey apartment building in the Āgenskalns district. The surrounding area is a mix of residential houses and light commercial facilities. It is a convenient location, only 10 minutes away from the city centre and 15 minutes from the Riga airport. The building was owned and managed by the University of Latvia as a residential property.

The property includes 12 apartments and two commercial premises as well as an adjacent wooden building. All apartments and the wooden building have been reserved by buyers with contracted sales revenue 866,000 euros and 86.6 thousand euros paid to Bulkestate as a reservation deposit.

Location, quality of the building and significant discounts to the market price have facilitated fast sales process and high commitment from the buyers to complete the purchase.

Commercial premises will be sold after completion of apartment sales process. The expected sales price for these is 250 thousand euros.

Loan

The loan amount will comprise EUR 800,000 and will carry a 17% annual interest rate.

The loan will be used to finance payment of purchase price and transaction costs and will be repaid by payments for sold apartments.

Security

The loan is secured by a first rank mortgage on the building. The market price of the building has been defined as EUR 1,400,000 (LTV ratio is 57%).

The borrower

For technical reasons, loan agreement will be signed by LP Private Property SIA (a company controlled by Bulkestate OÜ) who will lend these funds to Bulkestate OÜ to pay the sellers of the building and associated transaction costs.

All funds received by Bulkestate from investors will remain at Bulkestate and will be directly used to complete the acquisition of the property.

Repayment schedule

Loan and accrued interest will be paid within 3 months.

*Bulkestate incentive payment

For this project Bulkestate offers the following special incentive pay (cash-back) for investors:

  • Investors making EUR 10,000 or larger investment will receive 1% incentive payment from the invested amount (representing 4% annual interest rate), while
  • Investors making EUR 25,000 or larger investment will receive 2% incentive payment from the invested amount (representing 8% annual interest rate).

 

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New Envestio project – Biomass fuel – factoring 2

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the project Biomass fuel – factoring 2, Envestio continues the successful cooperation with the representatives of the environmental-friendly energy industry.

This loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of RIETUMU ENERGIJA SIA.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in energy sector, factoring-type financing for a woodchips trading company.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company RIETUMU ENERGIA SIA is a venture that successfully works on the market of production and sale of woodchips. Woodchips are being used as raw material for a big number of cogeneration-type power plants across the Baltic region. This type of produced heat and electric energy is considered to be one of the most environment-friendly, as it does not create excessive pollution and ensures full utilization of timber, processed by woodworking factories.

Founded in 2013, RIETUMU ENERGIA SIA is cooperating with an established pool of buyers that ensures necessary and stable demand for woodchips. This pool is formed by several small and medium cogeneration power plants and Tukums city municipal company that provides heating to the city.

On the supply side RIETUMU ENERGIA SIA cooperates with big Latvian woodworking factories SIA Stiga RM un AS Latvijas Finieris, processes own timber as well as purchases imported raw materials.

The need for additional funds is justified by current situation on the Latvian woodchips market that is characterized by high seasonality and continuously growing demand for this type of raw materials. Summer season is characterized by lower prices at which woodchips are available for purchase from the bigger suppliers, however, up to 6 months payment delay from the final customer has to be faced in that case.

Covering this gap with the help of Envestio financing will allow getting extra profits during the winter season, when the price of woodchips reaches its maximum, and repay the investment principal to Envestio participants.

Market

During the last years Latvian market for woodchips was characterized by increasing demand for the qualitative product. The size of Latvian woodworking industry, which is the main internal supplier of raw woodchips for further processing, remains relatively stable; at the same time, the number of customers has been increasing almost exponentially. Cogeneration power plants and producers of wooden pellets are looking to purchase growing amounts of the raw materials. Given the constant supply and increasing number of foreign customers from countries like Estonia, Lithuania, and Poland this logically results in price increase and even product shortage on the market.

Besides the increasing demand the market also faces extreme seasonality. Woodchips can be purchased at cheaper price during the summer, at the same time, during the winter not all customers can handle the price growth (and still there is an excessive demand). In these conditions, a company that can purchase the woodchips during the low season, store it, and sell during the period of higher prices may achieve extra profits.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 23.09.2018 – EUR 17.84
  • 23.10.2018 – EUR 17.26
  • 23.11.2018 – EUR 17.84
  • 23.12.2018 – EUR 17.26
  • 23.01.2019 – EUR 17.84
  • 23.02.2019 – EUR 1017.84

Total expected return: EUR 1 105.88

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Simbo.dk joins Mintos and offers for investment short-term loans from Denmark

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There are now even more investment opportunities from Denmark on Mintos, as Simbo.dk has just launched on the marketplace. Simbo.dk is one of the leading consumer loan providers in Denmark and now offers for investment its short-term consumer loans listed in euro (EUR) and Danish krone (DKK).

Launched in April 2017, Simbo.dk operates completely online and offers its customers a simple and fast way to receive a loan. The company prides itself on its high-quality customer service, which is reflected in its strong rating of 9.3 out of 10 on Trustpilot. Above all else, Simbo.dk ensures complete transparency with its loans – there are no hidden fees or interest. The efficient application process takes just one minute, and customers can have the funds in their account in 10 minutes.

“We are excited to begin this collaboration with Mintos and share our strong performing portfolio with investors on the marketplace. We believe Mintos will allow Simbo.dk to grow at an even faster rate and allow us to reach a larger customer base in Denmark, which is our goal,” says Toms Jurjevs, CEO of Simbo.dk.

Denmark-issued loans from Simbo.dk are listed on Mintos in both EUR and DKK. The average loan from the company on the marketplace is around EUR 500 and DKK 4 300. The repayment term on average is 30 days, and borrowers make their repayments in a single instalment. You can expect a yearly return of up to 13%.

Simbo.dk guarantees the buyback of all loans that are delinquent for more than 60 days. To maintain its skin in the game, the company will keep 10% of each loan placed on Mintos on its balance sheet.

Since its inception, Simbo.dk has experienced strong growth. As of the end of April 2018 the company had a net loan portfolio of EUR 4.1 million.

The rapid growth of Simbo.dk can be attributed to the extensive experience of the management teams within the fintech industry. The founder and CEO of Simbo.dk, Toms Jurjevs, has 8 years experience in top executive positions with online short-term consumer lending market leaders. He has overseen businesses in Latvia, Lithuania, Estonia, Armenia and Romania. In addition, the local Managing Director for the Danish market, Stefan Agergaard Hansen, has executive experience from multiple short-term lending providers including in the peer-to-peer industry. He has overseen operations and business development in Denmark, Norway, Sweden, Spain, Poland and Finland.

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Mintos has reached profitability in 2017 – Projections for 2018

Mintos logo

After three years since the launch, Mintos has turned an annual profit for the first time. In 2017, Mintos revenue increased more than four-fold to over EUR 2.1 million and net profit was EUR 196 000.

During 2017, Mintos experienced significant growth, making it the peer-to-peer lending market leader for continental Europe with a 38% market share according to AltFi Data. Since their establishment, Mintos have exceeded EUR 660 million in cumulative investments by investors and they expect the amount of loans funded to reach EUR 1 billion by the end of the year.

“Last year was a strong year for us and we established ourselves as a leading player internationally. We are very pleased to see that our business model is working and that we have reached profitability in only three years after launch, which these days isn’t that typical for startups,” says CEO and Co-founder of Mintos, Martins Sulte.

In 2017, Mintos made considerable investments in technology, people and the marketplace, making their service even more convenient for investors on Mintos. Last year they launched a currency exchange featuring transparent exchange rates and fair fees, which allows investors to exchange money at a lower cost than through banks. As a result of this investment in growth, the number of investors on Mintos also grew rapidly. As of May 2018, 58 000 investors had joined the marketplace and we expect to reach 100 000 investors by the end of the year.

Currently, Mintos has three offices employing 50 people in Riga, Warsaw and Mexico City, with offices shortly opening in Brazil, Russia and South East Asia. By the end of the year, they plan to double the number of their employees.

“… for us at the moment growth is more important than becoming a profitable business. With the proven success of our business model, we will continue to invest in technology and product and double our headcount by the end of the year. That will allow us to double down on our mission to enable the free and efficient movement of capital around the world with the help of technology,” says CEO and Co-founder of Mintos, Martins Sulte.

Mintos strategy is growth at an ambitious, but steady pace – thus ensuring their sustainable development. According to projections in 2018, the marketplace turnover will increase by 2 to 3 times. In 2018, they will focus on growing both sides of the marketplace by increasing investor demand, as well as loan supply from current and new locations by expanding the investment opportunities on the marketplace in Africa, Latin America, and Southeast Asia.

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Update 3 on Eurocent loans on Mintos peer-to-peer lending marketplace

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Due to Eurocent’s complex property and legal situation, and its inability to obtain an investor, as of March 20, 2018, Eurocent has ceased its operations. According to the compulsory administrator of Eurocent, continued operating activity is economically unjustified and there are no real prospects for the implementation of the arrangement and restructuring of the company.

Mintos says it is their priority to protect the interest of  the investors and they are currently doing everything possible to ensure this.  Their lawyers are now reaching out to the administrator and the board of Eurocent to see how they can recover the money owed to Mintos investors as soon as possible.

You can read the previous update on Eurocent here.

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