Defining the ‘Winning Horse’: Investor Criteria Beyond Marketing

Alejandro Ameijeira Davila

• 02/02/2026 18:25

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.

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• 

  Martins Sulte (Mintos)

  • 03/02/2026 15:24

  Thank you for your questions.

   

  We have a strong track record in alternative investments, but by evolving into a fully regulated multi-asset app, we are creating a true all-in-one experience where you can manage both traditional and alternative investments side-by-side, all while benefiting from the high standards of investor protection and transparency that come with being a MiFID II-licensed firm. We believe that is what will distinguish us as a winner in the investment sector.

   

  By its nature, scaling a multi-asset platform into a market leader requires significant and continuous investment. We are currently optimising for growth - investing heavily in technology, product expansion, and pursuing our banking license - to build a larger, more resilient company that delivers long-term value to its shareholders.

   

  Regarding risk management, we maintain a global network of lending companies and have a rigorous credit due diligence framework. More details on lending companies can be found on our website at https://www.mintos.com/en/lending-companies/

   

  For a detailed analysis of our market position, regulatory framework, and financials, please refer to our Prospectus: Section 8.5 ("Competitive Landscape") on page 139 and Section 12 ("Historical Financial Information") starting on page 164.

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