Mintos news Archives | Mintos Blog

Latest Notes additions to Mintos

Mintos Blog — Mon, 19 May 2025 12:49:00 +0000

As new Notes are constantly being added to the Mintos platform, we’ve created a short overview where you can see which lending company’s Notes have launched so far.

You can find out more about these investment opportunities with the linked base prospectuses that have been prepared in accordance with Prospectus Regulation and approved by the Financial and Capital Market Commission.

19 May 2025

On 19 May, an announcement for the base prospectus was published for:

Sun Finance Sweden (Luma AB)

Base prospectus | Key Information Document | Announcement for Base Prospectus

8 April 2025

On 8 April, a base prospectus supplement was published for:

Evergreen GB (EVERGREEN FINANCE LONDON LIMITED)

Base prospectus | Key Information Document | Base Prospectus Supplement

20 March 2025

On 20 March, a base prospectus supplement was published for:

Entrum LV (Real Estate) (SIA Entrum Latvia)

Base prospectus | Key Information Document | Base Prospectus Supplement

21 February 2025

On 21 February, a base prospectus supplement was published for:

Esto EE ( ESTO AS)

Base prospectus | Key Information Document | Base Prospectus Supplement

31 January 2025

On 31 January, a base prospectus supplement was published for:

Bambus AT (Real Estate) (Bambus M Einfamilienhaus GmbH)

Base prospectus | Key Information Document | Base Prospectus Supplement

8 January 2025

On 8 January, an announcement for the base prospectus was published for:

Adapundi ID (STAR DANA PTE. LTD)

Base prospectus | Key Information Document | Announcement for Base Prospectus

27 November 2024

On 27 November, a base prospectus supplement was published for:

Placet Group LT ( UAB “Nordecum”)

Base prospectus | Key Information Document | Base Prospectus Supplement

14 November 2024

On 14 November, a base prospectus supplement was published for:

IDF Eurasia (FintechFinance) EUR ( Limited Liability Partnership “MICROFINANCE ORGANIZATION “FINTECHFINANCE”)

Base prospectus | Key Information Document | Base Prospectus Supplement

IDF Eurasia (FintechFinance) KZT ( Limited Liability Partnership “MICROFINANCE ORGANIZATION “FINTECHFINANCE”)

Base prospectus | Key Information Document | Base Prospectus Supplement

4 November 2024

On 4 November, a base prospectus supplement was published for:

Credifiel Bond (”Publiseg”, S.A.P.I. de C.V., SOFOM, E.N.R.,)

Base prospectus | Key Information Document | Base Prospectus Supplement

14 October 2024

On 14 October, a base prospectus supplement was published for:

Eleving Group EE (Primero Finance OÜ)

Base prospectus | Key Information Document | Base Prospectus Supplement

14 October 2024

On 14 October, a base prospectus supplement was published for:

Evergreen GB (EVERGREEN FINANCE LONDON LIMITED)

Base prospectus | Key Information Document | Base Prospectus Supplement

3 September 2024

On 3 September, a base prospectus supplement was published for:

Pinjam Yuk (HYPA MIND PTE. LTD.)

Base prospectus | Key Information Document | Base Prospectus Supplement

26 August 2024

On 26 August, an announcement for the base prospectus was published for:

Credifiel MX ( PUBLISEG S.A.P.I. DE C.V. SOFOM E.N.R.)

Base prospectus | Key Information Document | Announcement for Base Prospectus

6 August 2024

On 6 August, an announcement for the base prospectus was published for:

IDF Eurasia (FintechFinance) KZT

Base prospectus | Key Information Document | Announcement for Base Prospectus

23 July 2024

On 23 July, an announcement for the base prospectus was published for:

Evergreen GB (EVERGREEN FINANCE LONDON LIMITED)

Base prospectus | Key Information Document | Announcement for Base Prospectus

17 June 2024

On 17 June, an announcement for the base prospectus was published for:

Jet Finance Kazakhstan (LLP “MFO “Mogo Kazakhstan”)

Base prospectus | Key Information Document | Announcement for Base Prospectus

10 June 2024

On 10 June, announcements for the base prospectus were published for:

Eleving Group Latvia (AS “mogo”)

Base prospectus | Key Information Document | Announcement for Base Prospectus

10 June 2024

On 10 June, announcements for the base prospectus were published for:

Eleving Group Estonia (Primero Finance OÜ)

Base prospectus | Key Information Document | Announcement for Base Prospectus

18 March 2024

On 18 March, a base prospectus supplement was published for:

Esto EE ( ESTO AS)

Base prospectus | Key Information Document | Base Prospectus Supplement

13 March 2024

On 13 March, an announcement for the base prospectus was published for:

Evergreen GB (EVERGREEN FINANCE LONDON LIMITED)

Base prospectus | Key Information Document | Announcement for base prospectus

12 March 2024

On 12 March, an announcement for the base prospectus was published for:

Pinjam Yuk (HYPA MIND PTE. LTD.)

Base prospectus | Key Information Document | Announcement for base prospectus

24 January 2024

On 24 January, an announcement for the base prospectus was published for EUR Notes for:

IDF Eurasia (MFO FintechFinance LLP)

Base prospectus | Key Information Document | Announcement for base prospectus

24 January 2024

On 24 January, an announcement for the base prospectus was published for KZT Notes for:

IDF Eurasia Kazakhstan (MFO FintechFinance LLP)

Base prospectus | Key Information Document | Announcement for base prospectus

11 December 2023

On 11 December, an announcement for the base prospectus was published for:

Credifiel Mexico (Publiseg, SAPI de CV SOFOM ENR)

Base prospectus | Key Information Document | Announcement for base prospectus

10 November 2023

On 10 November, a base prospectus supplement was published for EUR Notes for:

IDF Eurasia Kazakhstan (MFO FintechFinance LLP)

Base prospectus | Key Information Document | Base prospectus supplement

With this supplement, information on the guarantee/s, the Guarantor, and the Guarantee Agreement was removed from the base prospectus. A definition of these terms can be found in the prospectus. The changes become effective with the publishing of the supplement and apply to newly listed EUR Notes. Previously listed Notes are not affected.

14 September 2023

On 14 September , an announcement for the base prospectus was published for:

Eleving Group Romania ( Mogo IFN S.A.)
Base prospectus | Key Information Document | Announcement for base prospectus

14 September 2023

On 14 September , an announcement for the base prospectus was published for:

Eleving Group Moldova ( O.C.N. Mogo Loans S.R.L.)
Base prospectus | Key Information Document | Announcement for base prospectus

28 June 2023

On 28 June , an announcement for the base prospectus was published for:

Eleving Group Lithuania (UAB mogo LT)
Base prospectus | Key Information Document | Announcement for base prospectus

24 May 2023

On 24 May , an announcement for the base prospectus was published for:

Everest Finanse Poland ( Everest Finanse Spółka Akcyjna)
Base prospectus | Key Information Document | Announcement for base prospectus

22 May 2023

On 22 May, a base prospectus supplement was published for:

Eleving Armenia ( “MOGO” Universal Credit Organization Limited Liability Company)
Base prospectus | Key Information Document | Base Prospectus Supplement

18 May 2023

On 18 May , an announcement for the base prospectus was published for:

Finclusion Kenya ( TrustGro Sca Limited)
Base prospectus | Key Information Document | Announcement for base prospectus

13 January 2023

On 13 January , an announcement for the base prospectus was published for:

Watu Credit Uganda (Watu Credit Uganda Limited)
Base prospectus | Key Information Document | Announcement for base prospectus

9 January 2023

On 9 January, Notes became available for:

Eleving Latvia Rental Company (AS Renti)
Base prospectus | Key Information Document

28 November 2022

On 28 November, Notes became available for:

Planet42 South Africa (Inclusion South Africa (Pty) Ltd)
Base prospectus | Key Information Document

17 November 2022

On 17 November, Notes became available for:

Eleving Group Armenia (“Mogo” Universal Credit Organization LLC)
Base prospectus | Key Information Document

14 November 2022

On 14 November, Notes became available for:

Credius Romania (Credius IFN S.A.)
Base prospectus | Key Information Document

8 November 2022

On 8 November, an announcement for the base prospectus was published for:

Jet Finance Kazahkstan ( LLP “MFO “Mogo Kazakhstan”)
Base prospectus | Key Information Document | Announcement for base prospectus

31 October 2022

On 31 October, a base prospectus supplement was published for:

Eleving Group Estonia (mogo OÜ)
Base prospectus | Key Information Document | Base Prospectus Supplement

27 October 2022

As of 27 October 2022, the pledge was registered under the new Mintos investment firm structure for Placet Lithuania (Nordecum UAB) . Following the pledge registration, the Cooperation Structure subscore is upgraded to 5.

25 October 2022

As of 25 October 2022, the establishment of the master trust account for investors in the Notes setup was finalized for Go Credit Mexico (Monto Facil, S.A.P.I. de C.V. SOFOM E.N.R.) .Following the registration, the Cooperation Structure subscore is upgraded to 8.

19 October 2022

On 19 October, Notes for another lending company became available:

CAPEM Mexico (Grupo Olinx S.A.P.I. DE CV SOFOM ENR)
Base prospectus | Key Information Document

7 October 2022

As of 7 October 2022, the pledge was registered under the new Mintos investment firm structure for Eleving Georgia (Mogo LLC). Following the pledge registration, the Cooperation Structure subscore is upgraded to 5.

5 October 2022

As of 5 October 2022, the pledge was registered under the new Mintos investment firm structure for Sun Finance Kazakhstan (LLP “MFO Sofi Finance” and LLP “MFO Creditum”). Following the pledge registration, the Cooperation Structure subscore is upgraded to 5.

4 October 2022

As of 4 October 2022, the pledge was registered under the new Mintos investment firm structure for Zenka. Following the pledge registration, the Cooperation Structure subscore is upgraded to 5.

21 September 2022

On 21 September, an announcement for the base prospectus was published for:

Everest Poland (Everest Finanse S.A.)
Base prospectus | Key Information Document | Announcement for base prospectus

8 September 2022

On 8 September, Notes for another lending company became available:

Swell Mexico (SWELL FINANZAS EN MOVIMIENTO S.A.P.I de C.V., SOFOM E.N.R.)
Base prospectus | Key Information Document

2 September 2022

On 2 September, Notes for another lending company became available:

Credifiel Mexico (Publiseg, SAPI de CV SOFOM ENR)
Base prospectus | Key Information Document

31 August 2022

On 31 August, Notes for another lending company became available:

Mozipo Romania (Mozipo IFN S.A.)
Base prospectus | Key Information Document

30 August 2022

On 30 August, Notes in KZT became available for

IDF Eurasia Kazakhstan (MFO OnlineKazFinance LLP)
Base prospectus | Key Information Document

24 August 2022

On 24 August, Notes for another lending company became available:

Iute Credit Moldova (O.C.N IUTE CREDIT S.R.L.)
Base prospectus | Key Information Document

22 August 2022

On 22 August, Notes in KZT became available for

IDF Eurasia Kazakhstan (MFO FintechFinance LLP)
Base prospectus | Key Information Document

18 August 2022

On 18 August, an announcement for the base prospectus was published for:

Eleving Group Moldova (Sebo)
Base prospectus | Key Information Document | Announcement for base prospectus

11 August 2022

On 11 August, an announcement for the base prospectus was published for:

Everest Poland (Everest Finanse S.A.)
Base prospectus | Key Information Document | Announcement for base prospectus

Notes for another lending company became available:

Mozipo Lithuania (UAB “Moment Credit”)
Base prospectus | Key Information Document

4 August 2022

On 4 August, Notes for another lending company became available:

IuteCredit Albania (IuteCredit Albania SHA)
Base prospectus | Key Information Document

3 August 2022

On 3 August, an announcement for the base prospectus was published for:

ExpressCredit Botswana (ExpressCredit (Proprietary) Limited)
Base prospectus | Key Information Document | Announcement for base prospectus

29 July 2022

On 29 July, Notes for another lending company became available:

Sun Finance Poland (PRIMASTAR SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ) Notes in EUR
Base prospectus | Key Information Document
Sun Finance Poland (PRIMASTAR SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ) Notes in PLN
Base prospectus | Key Information Document

27 July 2022

On 27 July, the first Notes in KZT became available

GFM Kazakhstan (TOO MFO GoldFinMarket)
Base prospectus | Key Information Document

19 July 2022

On 19 July, 2 more lending company’s Notes became available:

Eleving Group Moldova (O.C.N. Mogo Loans S.R.L.)
Base prospectus | Key Information Document
Mikro Kapital Moldova (OCN Mikro Kapital Company LLC)
Base prospectus | Key Information Document

18 July 2022

On 18 July, 3 more lending company’s Notes became available:

Sun Finance Kazakhstan (LLP “MFO Sofi Finance”)
Base prospectus | Key Information Document
Sun Finance Kazakhstan (LLP “MFO Creditum”)
Base prospectus | Key Information Document
Eleving Group Moldova (Sebo)
Base prospectus | Key Information Document

15 July 2022

Impact of the pledge registration on the Cooperation Structure subscore

Currently, we’re collaborating with a number of lending companies to fulfill all requirements needed for their loans to be eligible for investing on Mintos in the Notes setup. The work is mostly related to the registration of the pledge under the new Mintos investment firm structure. This requirement directly impacts the Cooperation Structure subscore for loans from a specific lending company. Because of this, the mentioned subscore is expected to change for loans from a number of lending companies in the upcoming period, based on the closure of the ongoing processes. In some cases, a change in the subscore might cause a change in the Mintos Risk Score.

In the upcoming period, we expect changes for Eleving Georgia, Eleving Lithuania, GoCredit, IDF Eurasia, Watu Credit Uganda, and Zenka. We will notify you in these updates about all ongoing changes.

As of 15 July 2022, the pledge was registered under the new Mintos investment firm structure for Conmigo Vales and Financiera Contigo. The changes made on the platform are:

For Conmigo Vales, the Cooperation Structure subscore is upgraded to 5, with a resulting upgrade of the Mintos Risk Score to 6.
For Financiera Contigo, the Cooperation Structure subscore is upgraded to 4.

On 15 July, an announcement for the base prospectus was published for:

Finclusion KE ( TrustGro Sca Limited)
Base prospectus | Key Information Document | Announcement for base prospectus

Notes for another 2 more lending company’s became available:

Hipocredit Latvia (AS Hipocredit)
Base prospectus | Key Information Document
Mikro Kapital Uzbekistan (FE LLC «MIKRO LEASING»)
Base prospectus | Key Information Document

14 July 2022

On 14 July, an announcement for the base prospectus was published for:

Evergreen GB ( EVERGREEN FINANCE LONDON LIMITED)
Base prospectus | Key Information Document | Announcement for base prospectus
IDF Eurasia (MFO OnlineKazFinance LLP) – Notes in EUR
Base prospectus | Key Information Document | Announcement for base prospectus

Notes for another lending company became available:

Mogo Lithuania (UAB mogo LT)
Base prospectus | Key Information Document

12 July 2022

On 12 July, 2 more lending company’s Notes became available:

IDF Eurasia (MFO OnlineKazFinance LLP) – Notes in EUR
Base prospectus | Key Information Document
IDF Eurasia (MFO FintechFinance LLP) – Notes in EUR
Base prospectus | Key Information Document

Notes in KZT coming soon

8 July 2022

On 8 July, 2 more lending company’s Notes became available:

Everest Poland (Everest Finanse S.A.)
Base prospectus | Key Information Document
Evergreen UK (Evergreen Finance London Limited)
Base prospectus | Key Information Document

An announcement for the base prospectus was published for:

Rapicredit Colombia (COMPAÑÍA DE CRÉDITOS RÁPIDOS S.A.S.)
Base prospectus | Key Information Document | Announcement for base prospectus

6 July 2022

On 6 July, Notes for another lending company became available:

MikroKapital Romania (MIKRO KAPITAL IFN SA)
Base prospectus | Key Information Document

5 July 2022

On 5 July, Notes for another lending company became available:

LF TECH KZ ( “Microfinance organization “Lending and Financy technologies” LLP)
Base prospectus | Key Information Document

28 June 2022

On 28 June, Notes for another lending company became available:

Creditstar Finland (Creditstar Group AS)
Base prospectus | Key Information Document | Announcement for base prospectus

22 June 2022

On 22 June, Notes for another lending company became available:

Creditstar Estonia (Monefit Estonia OÜ)
Base prospectus | Key Information Document

20 June 2022

On 20 June, Notes for another lending company became available:

Esto Estonia (ESTO AS)
Base prospectus | Key Information Document

16 June 2022

On 16 June, Notes for another lending company became available:

Dinerito Mexico (Dinerito Audaz)
Base prospectus | Key Information Document

10 June 2022

On 10 June, Notes for another lending company became available:

Novaloans (Novaloans Limited)
Base prospectus | Key Information Document

9 June 2022

On 9 June, Notes for another lending company became available:

GFM Kazakhstan (TOO MFO GoldFinMarket)
Base prospectus | Key Information Document

2 June 2022

On 2 June, 2 more lending company’s Notes became available:

GoCredit Mexico (Monto Facil, S.A.P.I. de C.V. SOFOM E.N.R.)
Base prospectus | Key Information Document
Jet Finance Kazakhstan (LLP “MFO “Mogo Kazakhstan”)
Base prospectus | Key Information Document

31 May 2022

On 31 May, 4 more lending company’s Notes became available:

Zenka (Zenka Digital Limited)
Base prospectus | Key Information Document
Eleving North Macedonia (TIGO Finance DOOEL Skopje)
Base prospectus | Key Information Document
Eleving Albania (Kredo Finance SHPK)
Base prospectus | Key Information Document
Eleving Kenya (Mogo Auto Limited)
Base prospectus | Key Information Document

Notes available on launch day

On 25 May, when Notes first launched on Mintos, Notes were made available for:

CashCredit (Cash Credit Mobile EAD)
Base prospectus | Key Information Document
Eleving LV (AS Mogo)
Base prospectus | Key Information Document
SunFinance LV (SIA Extra Credit)
Base prospectus | Key Information Document

And over the next days, we added Notes for:

DelfinGroup:
DelfinGroup AS
Base prospectus | Key Information Document
ViziaFinance SIA
Base prospectus | Key Information Document
Placet Group:
Placet Group OÜ
Base prospectus | Key Information Document
Nordecum UAB
Base prospectus | Key Information Document
ExpressCredit Botswana (ExpressCredit (Proprietary) Limited)
Base prospectus | Key Information Document

Want to know more about Notes?

No question is left unanswered! If you’re just getting started with Notes, you can begin by reading the must-have information. You can also get insight into how Notes are created and discover the transparency benefits of the Mintos Notes base prospectuses. Or learn about the transition period from claims to Notes, take a deep dive into taxation, find out about the changes to the Secondary Market, and other general questions from investors in the Mintos Investor Q&A. Then, for anything not covered here, you can visit our dedicated Notes Help page.

Still curious to learn more? You’re welcome to share your questions in the Notes thread on the Mintos Community.

Meet us at Invest Stuttgart

Mintos Blog — Fri, 25 Apr 2025 12:06:50 +0000

We’re excited to announce that we’re coming to Invest Stuttgart.

When:

9-10 May

Where:

Messe Stuttgart, Halle 4, Stand 4D51

Meet us at the booth for a chat and a chance to win some swag.

Looking forward to seeing you there!

Mintos is attending Invest Stuttgart as part of the Latvian delegation as part of the 2027 National Development Plan. This project is co-funded by the European Union.

Mintos significantly expands bond offering, unlocking new opportunities for investors

Laura Berkolde — Wed, 29 Jan 2025 11:30:40 +0000

Mintos is excited to announce a major expansion of its bond offering. This development provides investors with access to a broad selection of corporate and government bonds, offering valuable opportunities for those seeking stability and consistent returns.

Opening doors to fixed-income investments

Bonds are a type of investment where money is lent to a company or government in exchange for regular interest payments. Generally less risky than stocks, they are a great starting point for people beginning their investment journeys.

Since introducing bonds in 2023, Mintos has transformed access to fixed-income securities for retail investors in Europe. Traditionally, this asset class – especially high-yield options – has been primarily available to institutional investors or those with substantial capital. Mintos breaks this barrier, enabling individuals to invest with as little as €50.

Investors on Mintos already enjoy access to a diverse range of bonds, including those from companies in industries such as lending, agriculture, manufacturing, and car retail, with yields of up to 14%. Now, the platform has expanded its offerings further with the support of a new in-house technology solution, introducing bonds from an even richer selection of industries and creating greater opportunities for diversification.

Empowering investors with broader choices

With the expanded offering, investors no longer need to navigate multiple stock exchanges to find opportunities; instead, they can explore a wide variety of options all in one place on Mintos. This streamlined approach offers improved availability and convenience, providing investors access to a diverse selection of bonds with competitive yields across various industries, all while lowering barriers to entry.

“This is an exciting milestone in our journey, and a significant step toward democratizing investment opportunities,” says Martins Sulte, CEO and Co-Founder of Mintos. “By broadening access to quality bonds, we’re empowering our investors to explore and create new avenues for earning regular income.”

The value of investments may fluctuate, and there is a risk of losing some or all of the invested capital.

Mintos partners with Upvest to enhance ETF portfolios across Europe

Laura Berkolde — Thu, 24 Oct 2024 07:25:54 +0000

Mintos chooses Upvest’s investment infrastructure to enhance the operational efficiency of its existing fractional ETF investing offering.
The partnership enables Mintos to automate processes and manage ETF portfolios more effectively, ensuring that end users continue to receive seamless, secure, and flexible access to ETF portfolios, now supported through Upvest’s Investment API.
The collaboration with Mintos underscores Upvest’s commitment to expanding its presence throughout Europe and strengthens its position as a leader in investment infrastructure.

Mintos has joined forces with Upvest, the leading European provider of investment infrastructure, to enhance its ETF portfolio offering across Europe.

The partnership with Upvest will further strengthen Mintos’ mission to solidify their position as a one-stop solution for long-term investing for retail investors across Europe. Mintos’ ETF offering enables their end users to build a globally diversified portfolio with minimal effort, leveraging the newly integrated Upvest Investment API as the technological backbone. With Upvest, Mintos can easily scale its product offering and iteratively introduce a broader range of ETF portfolios that cater to different risk appetites and investment goals.

Martin Kassing, CEO and co-founder of Upvest, says: “We’re thrilled to partner with Mintos, a platform that aligns perfectly with our mission of making investing as easy as spending money. With Upvest’s investment infrastructure, Mintos can now automate some of the behind-the-scenes processes of their ETF portfolio services, benefiting from Upvest’s state-of-the-art API capabilities”.

Martins Sulte, CEO and co-founder of Mintos, adds: “Partnering with Upvest is an exciting milestone for Mintos, as it enables us to streamline our internal processes and improve our operational efficiency. By migrating our ETF offering to Upvest’s Investment API, we can enhance the management of our diversified portfolios, reducing manual processing and calculations.”

About Upvest

Upvest is on a mission to make investing as easy as spending money. The company empowers businesses to offer a wide range of investment products and the best experience in the field of capital market investment and retirement planning. Upvest’s Investment API is easy to integrate so that fintechs and enterprises alike can save resources and fully focus on their core business.‍

Upvest is one of the few fintechs in Europe that can provide its B2B clients with the full range of investment opportunities in the areas of principal broking business, proprietary trading, and safe custody business for traditional securities as well as crypto assets. The company was founded in 2017 by Martin Kassing and currently employs more than 150 people at its main hub in Berlin. Its latest €30m fundraising round included participation by BlackRock, alongside its previous investors Bessemer Venture Partners, HV Capital, Earlybird, Notion Capital, ABN Amro Ventures, and 10x Capital.

Mintos review on RevenueLand

Laura Berkolde — Fri, 19 Jul 2024 08:02:16 +0000

RevenueLand recently published a comprehensive review of Mintos, which delves into the author’s extensive seven-year engagement with the platform, involving an investment of over €40 000. The review meticulously discusses how Mintos works, highlighting its robust safety features and the diverse range of loans available across different countries and terms. It underscores the importance of diversification in investment strategies to mitigate risks associated with investing in loans.

The author commends Mintos for its user-friendly interface, which facilitates an easy investment process, even for those new to investing in loans. The review emphasizes the platform’s transparency, noting how Mintos provides detailed information about each loan, including the borrower’s credit history, the loan’s purpose, and its risk rating. This transparency is crucial in helping investors make informed decisions.

The review also points out Mintos’ return rates, which have been consistently attractive compared to traditional banking products. On the other hand, it advises potential investors to be aware of the liquidity risk, as some investments may be tied up for longer periods, depending on the loan terms and the platform’s secondary market activity.

Additionally, the review appreciates Mintos’ regulatory compliance and its proactive approach to managing risks, which include collaborating with reliable loan originators. This has contributed to the platform’s ability to sustain investor confidence even during economic downturns.

One notable strategy shared in the review is the benefit of using Mintos’ auto-invest tool, which allows investors to automate their investment preferences, thus saving time and maintaining discipline in their investment approach. The tool is particularly lauded for its customization options, enabling investors to match their risk tolerance and investment goals with suitable loans.

Towards the conclusion, the review acknowledges the challenges and complexities of investing in loans, but reaffirms Mintos as a leading choice for investors looking to diversify beyond traditional financial instruments. The platform’s comprehensive offerings and strategic approach to investment safety are highlighted as key reasons why Mintos stands out in the loan investment landscape.

In summary, RevenueLand’s review presents Mintos as a highly recommendable platform for those interested in investing in loans, due to its operational efficiency, high safety standards, and user-friendly features. The author’s personal success and strategic insights provide a valuable perspective for both novice and experienced investors looking to explore this investment avenue.

Read the Mintos Review on RevenueLand Blog.

Mintos Risk Score updates Q1 2024

Laura Berkolde — Mon, 15 Jul 2024 12:45:58 +0000

The latest Mintos Risk Score updates based on developments and data from the first quarter of 2024 are now live on Mintos. In this article, we share the general summary of the most recent quarterly changes. All other details can be found on the Mintos Risk Score Updates page. An overview of historical changes in the Mintos Risk Score through the quarters is also available as a spreadsheet on the updates page.

Overview of Mintos Risk Score changes

This quarter, we saw 5 increases in the Mintos Risk Score and 2 decreases. There were 5 subscore changes of 0.7 or more for Q1 2024. Information on all changes is in the spreadsheet, and for significant changes we provided a comment.

According to the significance we see in each subscore, the weights of the subscores are Loan Portfolio Performance 40%, Loan Servicer Efficiency 25%, Buyback Strength 25%, and Corporation Structure 10%.

We release Mintos Risk Score updates quarterly. Exceptions will be made in some cases when there is a significant material improvement or deterioration for specific Notes on the platform, in which case the changes are introduced as necessary.

For Mintos Custom portfolios, if you’d like to adjust your investment preferences based on the most recent Mintos Risk Score updates, you can do so in the portfolio settings.

Mintos Risk Score methodology

The Mintos Risk Score is an aggregate of four subscores that are assigned to four different aspects of particular loans underlying a Set of Notes. These subscores rate:

loan portfolio performance (the portfolio health and historical performance of the loan book)
loan servicer efficiency (the operational efficiency of the loan servicer evaluated through its procedures and controls during loan issuance and collection processes)
buyback strength (the buyback obligor’s ability to fulfill contractual obligations, meet liquidity needs, and capital sufficiency)
cooperation structure (the legal setup between the loan issuing company and Mintos).

The Mintos Risk Score rates the risk level of a particular Set of Notes on a scale from 10.0 (low risk) to 1.0 (high risk). The calculated score is rounded to 1 decimal place. The Mintos Risk Score can be withdrawn if one or more of the subscores is not available or simply when there are no loans available for investment from a specific lending company, and this is expressed with the value “Score Withdrawn” or (SW).

Learn more about the Mintos Risk Score methodology.

Introducing Mintos Smart Cash: Earn Up to 3.75% on your cash1

Laura Berkolde — Thu, 27 Jun 2024 07:33:10 +0000

We’re excited to announce Mintos Smart Cash, a new way for investors to earn attractive returns on cash. This new offering lets investors earn returns on their money that would otherwise be sitting in the bank. Mintos Smart Cash stands out as a potentially rewarding investment option, offering a blend of high interest rates, flexibility, and low-volatility investments. The money is invested in a fund with the highest possible rating (AAA) managed by BlackRock.²

What is Mintos Smart Cash?
Mintos Smart Cash is a cash management solution that allows you to invest your money in a money market fund. Money market funds are low-risk, highly liquid investments that pay interest. They focus on generating income by investing in safe, short-term securities such as bank deposits and government securities. These funds aim to earn money while keeping your investment stable and easy to withdraw when needed. They have historically been available to corporate clients to manage liquidity, with limited availability for the public.

Benefits of Mintos Smart Cash:

High interest rate: Earn up to 3.75% interest on your cash, surpassing traditional overnight bank deposits.¹ According to the European Central Bank, the average interest rate for overnight bank deposits in the EU is 0.39% as of April 2024.

Maximum flexibility: Withdraw your money any business day. Unlike fixed-term deposits that lock your funds for a specific period, Smart Cash allows same-day withdrawals with no fees or penalties, allowing for maximum flexibility. Whether you’re building an emergency fund, parking money temporarily, or keeping a portion of your wealth liquid, Smart Cash provides the freedom to move your money how you want.

Low risk investment: Mintos Smart Cash is considered a low-volatility investment. The money is invested in a fund with the highest possible rating (AAA) managed by BlackRock, one of the world’s leading providers of investment, advisory and risk management solutions. The rating of AAA is assigned by the three major rating agencies: S&P, Moody’s, and Fitch.²

How does Smart Cash work?

The money you invest in Mintos Smart Cash is invested in the BlackRock ICS Euro Liquidity Fund, which is a low volatility net asset value short-term money market fund. You can read more information on the Key Information Document and on the funds page.

Mintos Smart Cash bridges the gap between conservative investing and passive income generation. With competitive interest rates, flexibility, and low volatility, it’s a compelling option for managing your cash holdings within a diversified investment strategy.

Interest is calculated daily and added to your available cash at the start of each month. The interest income on Mintos Smart Cash depends on the performance of the underlying money market fund.

Start maximizing your cash today with Mintos Smart Cash.

Disclaimer:

A money market fund (MMF) is not a guaranteed investment vehicle. An investment in MMFs is different from an investment in deposits. The principal invested in an MMF can fluctuate, and the investor is taking on the risk of losing the principal. The MMF does not rely on external support for guaranteeing the liquidity of the MMF or stabilizing the NAV per share.

¹Yield is subject to change in line with the interest rate environment.
²The fund is rated by external rating agencies. The rating is solicited and financed by BlackRock.

Passive real estate investing is here – A new way to diversify on Mintos

Laura Berkolde — Thu, 23 May 2024 06:26:06 +0000

Mintos is excited to unveil passive real estate investing, a fresh avenue for our investors to diversify their portfolios. This new offering enhances our broad spectrum of investment options, providing a seamless way for investors to incorporate real estate into their diversified investment strategies.

By introducing passive real estate investing, we aim to open up the world of real estate to our investors, combining the traditional benefits of property investment with the ease and accessibility Mintos is known for. This approach allows investors to tap into the real estate market’s potential, expanding their portfolio’s diversity without the complexities traditionally associated with property investment.

What is passive real estate investing?

Passive real estate investing is an approach where investment returns are generated from real estate assets without requiring active management or direct ownership by the investor. This method stands in contrast to active real estate investing, where the investor not only manages the property but often holds direct ownership. By choosing passive investing, individuals can benefit from the potential stability and returns of the real estate market, while avoiding the complexities and time commitment associated with property management.

Traditionally, real estate investing has been synonymous with a significant commitment of time, resources, and personal involvement. Such tasks are not only time-consuming but can also incur additional expenses, from emergency repairs to legal fees in tenant disputes. Moreover, the initial financial barrier to entry in traditional real estate is notably high. Purchasing a property outright requires a substantial upfront investment, including down payments, closing costs, and potential property improvement expenses before it can generate rental income.

These factors deter many from leveraging the potential benefits of the real estate market. In contrast, passive real estate investing on Mintos aims to address these issues, offering a more accessible, less demanding way for investors to enter the real estate market and enjoy its potential rewards.

To learn more about passive real estate investing, make sure to check out our guide here.

Access real estate markets with ease

Mintos addresses these barriers by offering a passive approach to real estate investing. Starting with investments as low as €50, we democratize access to this asset class, making it feasible for more people to diversify their investment portfolios. Our platform’s unique selling points include accessibility, diversification opportunities, and the simplicity of integrating real estate investments into your broader investment strategy.

This initiative aligns with our commitment to provide a diverse range of investment opportunities, democratizing access to different markets and asset classes.

“With the addition of passive real estate investing, we are enhancing our investors' ability to diversify their portfolios effortlessly. This step is not just about expanding our offerings; it's about empowering our users to tap into the potential of real estate markets with the same ease and transparency they have come to expect from Mintos.”

Martins Sulte, CEO and Co-Founder of Mintos

How to earn passive income from real estate

Earning passive income from real estate through Mintos is a straightforward experience. Our platform offers personalized investment strategies that allow you to seamlessly integrate real estate into your portfolio.

Investors on Mintos purchase financial instruments linked to rental properties, thereby participating indirectly in the real estate market. This method offers a practical solution to earn from rental payments and, crucially, partake in the potential appreciation of property values over time. Without the need for direct involvement in property management or bearing the burdens of landlord responsibilities, investors can focus on the strategic aspect of their portfolios.

The platform simplifies the process, from selection to investment, enabling a smooth transition into real estate investing. It presents a compelling case for those seeking to diversify their investment portfolio with real estate, offering regular income streams and the prospect of long-term capital gains. Furthermore, Mintos provides an avenue for liquidity through its Secondary Market, making real estate investing more flexible and accessible than ever before.

Is passive real estate investing right for you?

Pros:

1. Diversification: By including passive real estate investments in your portfolio, you’re incorporating an investment that historically moves differently from traditional stock and bond markets. This means when other parts of your portfolio might be underperforming, real estate can provide stability, or even growth, reducing your portfolio’s overall risk through broader exposure.

2. Steady returns: Investing in real estate through Mintos offers the dual benefit of generating steady rental income, which can contribute to your cash flow, and the opportunity for long-term capital gains. Real estate investments have the potential to increase in value over time, contributing to your wealth-building efforts.

3. Minimal time commitment: Opting for passive real estate investment through Mintos means you can reap the benefits of property investment without the day-to-day responsibilities of property management. This approach saves you a significant amount of time, making it a convenient option for those looking to invest in real estate without becoming landlords themselves.

4. Low entry point: With Mintos, the barrier to entering the real estate market is significantly lowered. Starting with investments as small as €50, we make it possible for a wider range of investors to access the real estate market, democratizing the opportunity to earn from this asset class.

Cons:

1. Limited control: Engaging in passive real estate investment through Mintos means entrusting the management and decision-making processes to experts. While this frees you from the day-to-day management hassles, it also means you have less direct influence over individual property decisions.

2. Long-term horizon: The nature of real estate investment leans towards a longer investment horizon. This is an essential consideration for investors, as the full benefits of capital gains in real estate, reflecting market growth and property value increases, typically manifest over more extended periods. It’s suited for investors who are in it for the long haul, ready to wait for the market to upturn or for their property investments to mature.

3. Liquidity: Compared to stocks or bonds, real estate investments through Mintos offer less liquidity. This means that converting your real estate investments back into cash, especially at short notice, might not be as straightforward as selling stocks or bonds. This is an important consideration for investors who prioritize quick access to their investments.

Benefits of passive real estate investing

Passive real estate investing with Mintos offers a seamless way to diversify your investment portfolio, access global markets, enjoy consistent income streams, and customize your investment strategy to match your financial goals. It’s about making your money work for you, tapping into the stability and potential returns of real estate, all within the convenience of the Mintos platform.

We recognize that each investor has unique financial goals and risk appetites. Our platform offers personalized investment strategies, enabling investors to balance their portfolios with an optimal mix of stocks, bonds, and now, real estate passive income. This level of customization ensures that investors of all types can find opportunities that align with their long-term financial objectives.

Curious to explore how passive real estate investing can amplify your portfolio? Discover the full benefits here and see how Mintos can help you navigate your investment journey with confidence.

Mintos Risk Score updates Q4 2023

Laura Berkolde — Fri, 22 Mar 2024 16:15:19 +0000

The latest Mintos Risk Score updates based on developments and data from the last quarter of 2023 are now live on Mintos. In this article, we share the general summary of the most recent quarterly changes. All other details can be found on the Mintos Risk Score Updates page. An overview of historical changes in the Mintos Risk Score through the quarters is also available as a spreadsheet on the updates page.

Overview of Mintos Risk Score changes

This quarter, we saw 2 increases in the Mintos Risk Score as well 1 decrease. There were 10 subscores changes of 0.7 or more for Q4 2023. Information on all changes is in the spreadsheet, and for significant changes we provided a comment.

For Mintos Custom portfolios, if you’d like to adjust your investment preferences based on the most recent Mintos Risk Score updates, you can do so in the portfolio settings.

Mintos Risk Score methodology

The Mintos Risk Score is an aggregate of four subscores that are assigned to four different aspects of particular loans underlying a Set of Notes. These subscores rate:

loan portfolio performance (the portfolio health and historical performance of the loan book),
loan servicer efficiency (the operational efficiency of the loan servicer evaluated through its procedures and controls during loan issuance and collection processes),
buyback strength (the buyback obligor’s ability to fulfill contractual obligations, meet liquidity needs, and capital sufficiency), and
cooperation structure (the legal setup between the loan issuing company and Mintos).

Learn more about the Mintos Risk Score methodology.

Mintos Risk Score updates Q3 2023

Mintos Blog — Thu, 21 Dec 2023 12:53:08 +0000

The latest Mintos Risk Score updates based on developments and data from the third quarter of 2023 are now live on Mintos. In this article, we share the general summary of the most recent quarterly changes. All other details can be found on the Mintos Risk Score Updates page. An overview of historical changes in the Mintos Risk Score through the quarters is also available as a spreadsheet on the updates page. See all detailed updates

Overview of Mintos Risk Score changes:

21 subscores of 0.7 or greater changed for Q3 2023 and there were no significant changes in the overall risk. This quarter, we saw 18 increases in the Mintos Risk Score as well 18 decreases.

Both Poland Ducatos and Poland Primastar, under company Sun Finance, had scores withdrawn this quarter due to a change in the company’s strategy. In November 2023, the company repurchased all remaining outstanding investments from the Mintos platform.

To see detailed comments about all the latest changes in the Mintos Risk Scores and subscores, visit the Mintos Risk Score updates page.

For Mintos Custom portfolios, if you’d like to adjust your investment preferences based on the most recent Mintos Risk Score updates, you can do so in the portfolio settings.

Mintos Risk Score updates schedule

The regular schedule for the Mintos Risk Score updates is quarterly. Exceptions will be made in some cases when there is a significant material improvement or deterioration for specific Notes on the platform, in which case the changes are introduced as necessary.

For Mintos Custom portfolios, if you’d like to adjust your investment preferences based on the most recent Mintos Risk Score updates, you can do so in the portfolio settings.

Mintos Risk Score methodology

The Mintos Risk Score is an aggregate of four subscores that are assigned to four different aspects of particular loans underlying a Set of Notes. These subscores rate:

loan portfolio performance (the portfolio health and historical performance of the loan book),
loan servicer efficiency (the operational efficiency of the loan servicer evaluated through its procedures and controls during loan issuance and collection processes),
buyback strength (the buyback obligor’s ability to fulfill contractual obligations, meet liquidity needs, and capital sufficiency), and
cooperation structure (the legal setup between the loan issuing company and Mintos).

According to the significance we see in each subscore, the weights of the subscores are Loan Portfolio Performance 40%, Loan Servicer Efficiency 25%, Buyback Strength 25%, and Corporation Structure 10%.

Learn more about the Mintos Risk Score methodology.

Disclaimer: Under no circumstances should the Mintos Risk Score be treated and relied upon as a credit rating. It is not prepared in accordance with the methodology and provisions defined by the Regulation (EC) No 1060/2009 on credit rating agencies. The Mintos Risk Score is not investment advice and Mintos cannot be held liable for any losses which may result from basing investment decisions on information and/or analytical materials provided on this website.