Mintos
Mintos is a European multi-asset investment platform serving nearly 700,000 retail investors with access to loans, bonds, ETFs, real estate, and crypto ETPs, licensed by Latvijas Banka and pursuing an ECB banking licence.
- Company typePrivate
- Founded2016
- HeadquartersRiga, Latvia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Mintos does
Mintos is a European multi-asset investment platform headquartered in Riga, Latvia, operating under the legal entity AS Mintos Marketplace and licensed by Latvijas Banka. Founded around 2016 as a peer-to-peer lending marketplace, the company has evolved into a unified investment platform offering six asset classes — loans, bonds, ETFs, real estate, crypto ETPs, and Smart Cash — to nearly 700,000 registered investors with €800 million in assets under management as of early 2026. The platform holds 24% of the EU/EEA peer-to-peer lending market and has facilitated €13.3 billion in historical investments, with a geographic footprint spanning all EU member states and notable recent market entries into Portugal and Czech Republic.
The platform is built on a product-plus-modules architecture. The core offers direct access to loans (P2P marketplace), bonds (corporate and high-yield), ETFs (1,000+ UCITS-compliant funds from iShares, VanEck, Vanguard, fee-free), real estate, and regulated crypto ETPs (from BlackRock iShares and VanEck). The "Smart Cash" add-on provides liquidity on idle balances, while automated modules — Mintos Core ETFs (auto-rebalanced portfolios from €50) and the High-Yield Bonds portfolio (20+ corporate bonds, €50 minimum, 0.39% annual fee) — reduce manual portfolio management. Core brokerage and execution infrastructure is provided by Upvest, with identity verification by Veriff; mobile apps are available on iOS and Android.
Mintos operates a product-led, self-serve go-to-market model targeting European retail investors. Revenue is generated primarily through platform services and transaction fees, with management fees on automated portfolios (notably 0.39% on High-Yield Bonds) and offerings such as ETF investing positioned as fee-free land-grab products. The company is also raising €9.32 million through a share offering to fund an ECB banking licence application, which would unlock deposit protection up to €100,000 and direct lending products — a strategic pivot from marketplace to full-stack investment and banking entity.
Mintos firmographics
Firmographics- Name
- Mintos
- Legal name
- AS Mintos Marketplace
- Website
- https://mintos.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Mintos is a European multi-asset investment platform serving nearly 700,000 retail investors with access to loans, bonds, ETFs, real estate, and crypto ETPs, licensed by Latvijas Banka and pursuing an ECB banking licence.
- Ownership category
- akta.pro rank
Where Mintos is headquartered
LocationHeadquarters
- HQ city
- Riga
- HQ country
- Latvia
- HQ region
- Europe
Offices1 record
Markets served
Mintos business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Management Fees: Mintos charges annual management fees on investment products, including 0.39% for High-Yield Bonds portfolio. The platform offers fee-free ETF investing with zero transaction and custody fees to attract investors.
- Platform Services: Mintos operates as a licensed investment firm generating revenue from platform services across multiple asset classes including loans, bonds, ETFs, real estate, and crypto products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | ETF investing with €1 minimum, zero transaction fees, and no custody charges |
| Unit Pricing | Pay-as-you-go | Crypto ETP investing starting from €5 minimum |
| Subscription | Monthly | Mintos Core ETF automated portfolio starting at €50 |
| Subscription | Annual | High-Yield Bonds portfolio with €50 minimum and 0.39% annual management fee |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Mintos product offering
Product offeringCore offering
Mintos is a European multi-asset investment platform that lets retail investors build diversified portfolios across peer-to-peer loans, corporate bonds, UCITS-compliant ETFs, real estate, and regulated crypto exchange-traded products from a single account. Investors access the offering through a self-serve web platform and mobile apps, with automated portfolio options and fractionalized entry points as low as €1 for ETFs, €5 for crypto, and €50 for bond portfolios. The platform is operated by AS Mintos Marketplace, an investment firm licensed and supervised by Latvijas Banka.
Product overview
Mintos is a multi-asset investment platform offering a unified platform-plus-modules architecture. The core platform provides access to six main investment products: Loans (P2P lending marketplace), Bonds, ETFs (fee-free investing with 1,000+ UCITS funds), Real Estate, and Crypto (regulated ETPs from BlackRock and VanEck). The platform also offers Smart Cash for liquidity management. Add-on modules include Mintos Core ETFs (automated portfolio rebalancing from €50), High-Yield Bonds Portfolio (automated bond investing with fractionalization from €50), and upcoming Investment Plans for recurring contributions. The platform serves nearly 700,000 investors across Europe with €800 million in assets under management.
Differentiator
Problem solved
Functional benefit
Products and services
- Loans (Peer-to-Peer Lending) Peer-to-peer lending marketplace connecting European retail investors with loan originators, enabling investment in consumer, business, and other loan types through fractionalized exposures.
- Bonds Investment access to corporate and high-yield bonds, including an automated High-Yield Bonds portfolio distributing funds across at least 20 corporate bonds from different sectors with fractional entry from €50.
- ETFs Fee-free ETF investing providing access to over 1,000 UCITS-compliant ETFs from providers including iShares, VanEck, and Vanguard, with zero transaction fees, no custody charges, and a €1 minimum investment. Includes the automated Mintos Core ETFs portfolio with automatic rebalancing from €50.
- Real Estate
Quantifiable outcome
- 86% growth in total bond investment volume between 2024 and 2025
- +2 more outcomes
Companies that use Mintos
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles3 records
Mintos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Mintos partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- UpvestcoreMintos partnered with Upvest to provide the API-driven investment infrastructure and core brokerage capabilities powering its ETF investing platform and crypto ETP offerings. The partnership enables Mintos to offer over 1,000 UCITS-compliant ETFs and regulated crypto ETPs through Upvest's infrastructure.
- CrowdcubecoreMintos raised €3.1 million through a crowdfunding campaign on Crowdcube, the largest EU campaign of 2025, attracting over 3,300 investors from 55 countries to support company growth, product development, and international expansion.
- VeriffcoreMintos has collaborated with Veriff for three years on identity verification services, enabling secure onboarding and compliance for its investment platform users.
Scale indicators11 records
Recent moves12 records
Expansion highlights2 records
Mintos competitors and assessment
Company assessmentDirect peers
- Trading 212: Trading 212 is a European multi-asset retail investment platform offering commission-free trading in stocks, ETFs, and CFDs. It directly competes with Mintos on fee-free ETF investing for European retail investors.
- eToro: eToro is a global multi-asset investment platform offering stocks, ETFs, crypto, and copy-trading to retail investors. Comparable to Mintos through its European retail focus and multi-asset product strategy.
- Scalable Capital: Scalable Capital is a European digital wealth management and brokerage platform offering ETFs, stocks, and crypto. Closely comparable to Mintos in European multi-asset retail investing with low-cost propositions.
- DEGIRO: DEGIRO is a European low-cost broker offering stocks, ETFs, bonds, and derivatives. Comparable to Mintos as a European retail investment platform with broad asset class coverage and low fee structure.
- Funding Circle: Funding Circle operates a P2P lending marketplace for SME loans in Europe. Comparable to Mintos's core P2P lending heritage and loan-origination business model.
- Bondora: Bondora is a European P2P lending platform offering consumer loan investments. Comparable to Mintos through its focus on retail investor exposure to loan portfolios, though narrower in asset class breadth.
- Twino (formerly Fellow Finance): Twino is a Baltic-origin P2P lending platform operating across Europe. Comparable to Mintos through its P2P lending heritage and European retail investor focus, with similar geographic roots.
Emerging players
- Lightyear: Lightyear is a European multi-currency investment app offering stocks, ETFs, and funds. Comparable to Mintos's multi-asset platform strategy targeting European retail investors with low-cost options.
- EstateGuru: EstateGuru is a European P2P real estate lending platform. Comparable to Mintos through its real estate investment product offering and P2P lending model, though narrower in asset scope.
Broad incumbents
- Revolut: Revolut is a broad European fintech offering banking, payments, and investment products including stocks and crypto. Comparable to Mintos via its investment offerings and EU-wide retail reach, though investments are one of many product lines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Mintos social profiles
Digital presenceMintos compliance and trust
Trust signalCompliance2 records
Mintos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mintos leadership team
Management profileNumber of profiles
Profiles8 records
Mintos funding detail
Funding detailFunding overview
Funding rounds6 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mintos M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mintos
What does Mintos do?
Mintos is a European multi-asset investment platform that lets retail investors build diversified portfolios across peer-to-peer loans, corporate bonds, UCITS-compliant ETFs, real estate, and regulated crypto exchange-traded products from a single account. Investors access the offering through a self-serve web platform and mobile apps, with automated portfolio options and fractionalized entry points as low as €1 for ETFs, €5 for crypto, and €50 for bond portfolios. The platform is operated by AS Mintos Marketplace, an investment firm licensed and supervised by Latvijas Banka.
Is Mintos a public or private company?
Mintos is a private company. It is classified as venture growth investor backed and is currently operating.
When was Mintos founded?
Mintos was founded in 2016. It employs 101 to 250 people.
Where is Mintos based?
Mintos is headquartered in Riga, Latvia, in the Europe region.
How does Mintos make money?
Two revenue lines are on record. Management Fees are the primary driver. The others are platform Services.
Who are Mintos's main competitors?
Direct peers on record are Trading 212, eToro, Scalable Capital, DEGIRO, Funding Circle, Bondora and Twino (formerly Fellow Finance). Emerging players are Lightyear and EstateGuru. Revolut is listed as a broad incumbent.
Does Mintos have an API?
No public API is recorded for Mintos.