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[Feature request] Use up pending payments first




    I agree fully with the comment above on reinvesting. It feels like a feature of this type would solve the problem both ways.

  • Lucja (Mintos)

    Hi, Thank you for sharing your suggestion with us. We appreciate your input, usually, if we notice the higher demand for a specific topic, we consider all the investor's feedback and its implementation.


    Hi Lucja,

    Don't you think everyone investing in this company should have the same interest? I'm surprised that there aren't any other inquiries on this subject.

  • Onni

    Good suggestion, this would work with automated strategies most easily. In manual investments it would get quite complicated as there would need to be specific wallets for each lending company?

  • cardplus

    This is a good idea, although Elissavet Koumi wording was littlebit unclear. Therefore i think that even Mintos moderators did not understand the necessity here. And probably did not propagated it further.

    I make real life example:
    Investor has 1000 EUR Pendings from Creditstar
    Investor also has autobidder which finds 100 EUR suitable new loans from Creditstar (ideally either from Primary or Secondary market). Now 100 eur from Pendings are replaced with new loans, leaving investor with 900 EUR pending and 100 eur in new loans.

    In account statament there will be rows (in aggregate):
    + 100 eur
    -100 eur

    @Onni. Same method could be applicable to manual investing also. It is actually not so difficult to develop. In Frontend only one checkbox has to be added at checkout page: "Use pending amounts first". Or it might be even default behaviour, so no Frontend change is even required.

    It also would be a good approach because it favors staying investors, not those who want their cash to flee :)


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