Help
Getting Started
- Does Mintos evaluate if the products and services offered are suitable and appropriate for me?
- How does “Keep uninvested” work?
- What is Mintos?
- How do I create an account?
- How do I transfer money to my account?
- Who can invest?
Security
- Is it possible to log in to your Mintos account without using two-factor authentication or it is compulsory?
- What should you do with the authentication app if your phone gets lost, stolen or destroyed?
- Is the Google Authenticator app the only app that can be used in order to generate the Two-factor code?
Verification
- Why do I need to verify?
- What can I do if I have problems with verification?
- How can I start verification?
- Why do I need to verify again?
- Which documents are accepted as proof of identity?
- Why does Mintos need the full information on my identity document? Can it be covered with stickers?
Adding funds
Investing
- What are strategies?
- How do I invest?
- How is interest calculated?
- What is skin in the game?
- How do I make money from my investments?
- Can I cancel my investment?
Risk
- How safe are investments?
- What happens if Mintos goes out of business?
- What happens if a lending company goes out of business?
- What risks are associated with investing through Mintos?
- Are investments through Mintos protected by any financial compensation scheme?
- What is a buyback obligation and how does it work?
Mintos strategies
- What’s in my High-yield strategy?
- What’s in my Conservative strategy?
- What’s in my Diversified strategy?
- How is my interest calculated?
- How can I cash out money from my Mintos strategy?
- How long does it take to cash out my money? Is it really instant?
Custom automated strategies
- What are custom automated strategies?
- How can I stop my custom automated strategy?
- What happens to my diversification settings if I change the strategy target?
- How does the maximum strategy target affect diversification?
- Can I change the diversification for an existing strategy to a target value that is lower than my outstanding investment for a particular lending company?
- Can I see the current distribution of my outstanding investments across lending companies?
Custom manual investing
About loans
- What is the grace period?
- Can I know who the borrower is?
- For what purpose are loans issued to borrowers?
- What happens if a borrower does not pay?
- What kinds of collateral are held for loans?
- Who has the pledge rights over the collateral?
Mintos Risk Score
Investing in other currencies
Forward Flow
- What is Forward Flow?
- What's in a Forward Flow?
- How can investors invest in a Forward Flow?
- How does a Forward Flow work?
- How do the underlying loans work?
- How do repayments work for a Forward Flow?
Pending Payments
- Why does Mintos have pending payments?
- Can pending payments increase?
- Can pending payments be abused?
- Does pending payments mean lending companies or borrowers are late?
- What’s the difference between pending payments and grace period?
- How long is the pending payments period? Can it be shortened?