Mintos

Mintos is the leading global platform for investing in personal loans with more than €8.5 billion worth of loans funded since launching in 2015. An investor can buy fractional ownership in debt notes containing 6 to 20 loans from one of the platform's partnering 60+ loan originators. The headquarters of AS Mintos Marketplace is located in Latvia, and it is licensed both as an investment firm and as a payment service provider by the Latvian Financial and Capital Market Commission (FCMC).

At Mintos, you can make EUR-denominated investments starting from €10 (it's also possible to invest in other currencies, see table below). You can also set up an auto-invest feature and buy and sell loans on a secondary market.

Mintos separates investors’ funds from the platform company assets but doesn’t have a wind-down plan in place to ensure minimal damage in case the platform goes out of business. It discloses statistics about its funded loans on a dedicated public page and shares its monthly funding volumes with P2PMarketData.