Mintos offers a range of investment options in different asset classes, including loans, bonds, and ETFs (coming soon).
Before you start investing on Mintos, we will ask you to complete the following steps:
- Verify your identity and answer some questions about yourself
We’re committed to providing a safe platform and preventing financial crime. To comply with applicable anti-money laundering laws and “Know Your Customer” policies, we need to verify your identity to make sure it’s really you and ask you some questions about yourself. - Take the Suitability & Appropriateness assessment
As a licensed investment firm, we are required to ensure that the products we offer are suitable and appropriate for our investors. Based on your answers to our assessment, we will make certain ways of investing available to you and set a responsible investment limit for your account. You can retake the assessment twice every thirty days if your situation changes. - Transfer funds to your Mintos account
Learn more about deposits
This is how you invest in loans:
Mintos Core
The easy and efficient way to invest in loans. Just set an amount, and that’s it. You’ll start earning competitive returns in no time.
- You will find it on the Loans page by clicking on Create portfolio
- Your portfolio will buy small fractions of many different Sets of Notes from different lending companies around the world.
- We’ll show you the weighted average interest rate of available investments before you invest.
- We’ll reinvest your returns so your money can work continuously and earn even more interest.
- Need your money? Now you can get your investment back anytime by cashing out funds from your Mintos Core portfolio.
- You can start or stop your portfolio anytime.
- Your exposure is capped at 15% per lending company.
Mintos Custom and manual investing
A more active way of investing. Select and manage your investments, or save time with optional automation.
- You will find it on the Loans page by clicking on Create portfolio
- Choose from a huge number of available investments.
- Filter by more than 20 different investing criteria.
- Diversify your portfolio according to your preferences.
- You can invest manually and have full control over each investment, or you can create a Mintos Custom portfolio that allows you to automate your investments based on the investing rules you set, use a dynamic diversification algorithm, and automatically reinvest the interest earned.
This is how you invest in bonds:
- On the Bonds page, you can choose specific Fractional Bonds that align with your investment goals
- Access high-yield bonds usually not available to retail investors
- You can invest in small fractions of a bond, starting from just €50, and conveniently build a diversified bond portfolio
This is how you invest in ETFs (coming soon):
- Soon we will offer a curated portfolio of stocks and bonds, dynamically rebalanced to align with your financial goals
- There will be a 0% commission for buying, holding, or selling ETFs on Mintos