Policy regarding pending and overdue classification and more

Dear Mintos

DanaRupiah is jumping back and forward between pending and overdue, which is very concerning for me. if it is due to the LO not transfering in time, then it might be ok, but this time I learn that it is because Mintos bank has asked for additional information. Because of DanaRupiah is on the overdue list, I will no longer invest in loans from this LO if they are available, and this is simply caused by Mintos new system where in my opinion, the LO is suffering for a delay caused by Mintos bank.

From my side this new transparancy system with a 7 day deadline has not been thought through. Also - why have Mintos choosen a 7 day deadline of LOs being moved from pending to overdue. As a investor I will not recieve interest from pending or overdue payments untill 10 days after the due payment day. I have to accept 10 days without interest, but Mintos signals a problem and causes concern already after 7 days. This new policy on Mintos has created concerns for me that I did not have before, and the absence in a logical line through the platform is making me doubt if my money is safe within a financial institution or managed by a tech company creating and testing a future platform for investment. Nothing wrong with that - just not a safe place for my money.

Off topic ( and then maybe not), I can see that DKK have been removed from the platform - also as a currency for withdrawl. Why hs there not been a pre-notice about this so that investors for whom this is relevant, could have taken this into consideration. Again this talks into a reacurring topic in many of the reasent posts. The level of information is simply not in compliance with managing a digital financial institution. In Denmark where I obviously is resident, removing a currency without prior notice is simply not legal by law. Again - this underlines my concern about if Mintos is just a tech company driven by tech people developing software for the future. I acknowledge the work but not the gorvernance around the way you do it.

Best regards