Defining the ‘Winning Horse’: Investor Criteria Beyond Marketing

As the alternative investment platform space becomes increasingly homogeneous (Mintos, Bondster, Afranga, etc.), I would like to raise a strategic question directly to Mintos.

From an investor’s perspective, what does Mintos consider to be the key criteria that distinguish a long-term “winner” in this sector from other similar platforms?

More specifically, how does Mintos position itself with respect to:

• Regulatory status and custody / safeguarding model,
  including asset segregation and effective supervision.

• Profitability or a credible path to break-even,
  beyond long-term growth assumptions.

• Loan originator concentration
  and the associated risk management approach.

• Actual recovery track record in adverse scenarios,
  rather than advertised yields.

• Effective liquidity for investors,
  particularly the behaviour of the secondary market under stress.

• Transparency,
  including audited financials, clear reporting, and risk communication.

A clear response to these points would be very helpful in understanding what makes Mintos competitively distinct and sustainable in the long term.