On Mintos, you invest in loans by purchasing Notes, which are regulated financial instruments. Notes are emitted by a special purpose entity within the Mintos group that acts as the issuer. To create a Set of Notes, 6–20 loans with similar properties are pooled together. The Notes are then placed on Mintos, so investors can invest in them.
Each Set has a unique International Securities Identification Number (ISIN) and consists of Notes of €0.01 nominal value each. The minimum investment is €50, or 5,000 Notes per Set you invest in. By investing in a Set of Notes, you gain exposure to all underlying loans in the Set proportional to the loan amount.