By connecting to the Mintos platform, loan originators get instant access to investors that are looking to purchase loans. Unofficial minamotokazuki.com app. App contains. Martins Sulte, Mintos Co-founder and CEO will share more about the Mintos experience and how we're adjusting while “Navigating the Challenging Times for. Investieren Sie in Kredite und verdienen Sie ein passives Einkommen. Wir verbinden Sie mit Tausenden von Möglichkeiten weltweit auf unserem Marktplatz.
BewertungszertifikatInvestieren Sie in Kredite und verdienen Sie ein passives Einkommen. Wir verbinden Sie mit Tausenden von Möglichkeiten weltweit auf unserem Marktplatz. Kontakt. AS Mintos Marketplace Skanstes Riga, LV Lettland. Webseite: minamotokazuki.com By connecting to the Mintos platform, loan originators get instant access to investors that are looking to purchase loans. Unofficial minamotokazuki.com app. App contains.
Mintos.Com Comment fonctionne Mintos ? VideoMeine Mintos Auto-Invest Einstellungen nach 5 Jahren Investment
Veo que hay algunos en mercado primario con categoria B- y vencimiento en muy pocos dias. No se si me puedes orientar sobre esto.
Muchas gracias. Luego, si hay retrasos con el pago es posible que la rentabilidad no sea la estimada en un primer momento. Tengo un mes de cliente en Mintos un 2.
Hacen que dude de la plataforma he sido directivo del principal banco de EE. UU entiendo el riesgo de estas inversiones pero su analisis profesional del scoring de riesgo es preocupante.
Sin contar la falta absoluta de respuesta mi disconformidad la hare publica lamento sinceramente la falta de respuesta.
Como referencia, he utilizado un filtro contrastado similar al vuestro y ha resultado en unas 20 entidades. Si es por un tema de anonimato, porque se esconden?
Es posible que sean clientes que la banca no quiera financiar por su perfil de riesgo de impago? Siguiendo los pasos, he empezado a invertir en Mintos personalizando la estrategia.
Gran aporte. Tu pregunta es muy acertada. Efectivamente, es el concepto. Iba a poner …….. Esta web usa cookies para mejorar tu experiencia.
Algunos de los premios de Mintos. Una de las mayores plataformas de crowdlending en Europa. This is also really easy to do, as they provide different bank accounts that you can use to make them a transfer, depending on which currency you want to use.
As for all platforms I review, I tried to withdraw money from the platform as well. This went without any issues, and I had the money in my bank account in one day.
At the start, as I always recommend, I was investing manually in loans to see what were the different parameters. However, I recommend to quickly start using the auto-invest function, as it will allow you to completely automate your investments on the platform and have a truly passive investment.
Here were my general settings for the portfolio:. It's not shown here, but I invest in loans from all countries, in the EUR currency, and of course only in loans that come with a buyback guarantee.
I also invest the smallest amount possible in each loan 10 Euros. This is great if you fear that your money will be stuck for long periods of time when investing in Peer-to-Peer lending.
They also advertise an average return of Note that I started investing on the platform around August So far, I managed to get an annual return of You can also see that I had only had a very small amount of defaults 2.
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Anything less than that is not worth the time and hassle in my opinion. For now, you could have a look at my article on the best P2P crypto loan platforms.
I am a bit worried about having a significant number of loans that are late. Is it normal? How long would it take for me to sell all my loan portfolio should I need quick liquidity?
In the end, you might have to give up an equivalent of a week or two of interest income to sell your loan portfolio, which I think is a good tradeoff.
Mintos calculates the positive gain on a loan-level for investments on the Secondary market. For example, if an investor invested into a loan this year and it will be fully repaid only the next year then in the capital gain of this year the gain will not be calculated as the income from the loan is lower than the invested amount.
Unfortunately, it is not easy to calculate as Mintos looks at all the previous years as well. Here is an example: In an investor invested 90 EUR in a loan and in that year he received EUR from the borrower and the loan finished.
Then for , the capital gain will be 10 EUR. If however in an investor invested 90 EUR into a loan and only half of the principal was repaid, then for the capital gain will be 0 EUR.
If the loan will be repaid in full in and the total funds received will be EUR, then the capital gain for will be 10 EUR etc.
The growth of this platform and consolidation of its place as the biggest European P2P lending platform is there for all to see.
During , revenue increased more than four-fold to over EUR 2. According to the published financial statements, was another profitable year for Mintos, although the profits were lower due to aggressive expansion which meant having higher expenses.
This means a lot to me as an investor. They are basically pre-configured auto-invest systems, with the added bonus of having immediate liquidity through the secondary market if you need the funds invested for other purposes.
According to Mintos CEO Martins Suite, the plans for the immediate future also include the launching of a debit card that will take Mintos beyond being just a lending platform.
Banks and Fintechs are currently engaged in full-on competition, but Fintechs have the edge when it comes to technology, so it makes sense for platforms like Mintos to encroach on traditionally banking domains like debit cards and challenge them in this way.
The inclusion of a debit card within the Mintos platform also means that investors will now have a very easy way of spending the profits from their investments.
Instead of having to request a withdrawal and wait a few days for the money to get to their account minus potential fees , investors will now be able to pay directly with their Mintos debit card.
Yet another advantage that makes things easier for us investors. The Mintos mobile app, another new addition in , provides a significant differentiator for Mintos when compared to other competitors in the space.
My background is in creating software so I know a well-made product when I see one. There are no such mishaps with the Mintos app. It has a light and dark mode white or black background and it shows you all the most important stats about your investments.
You can also withdraw or deposit money directly from the app, and soon you will also be able to operate in the primary and secondary market.
With that last feature in place, you will most likely never need to login to the website again. These are all stats that are also available on the site, but they are not as easily and readily available.
The mobile app for iOS should be publically launched in the first quarter of , and I look forward to that event as it will surely put Mintos in a very privileged place when compared to its competitors, while at the same time offering great comfort to us investors.
I believe they will have no problem in raising this amount. We can see the cumulative number of investors on the Mintos statistics page, however, there is no clear indication of how many joined users joined every month and more importantly how many of them are even active.
Many users can sign up but then never invest, and that is not reflected in the stats. The same goes for the investment volumes section of the statistics.
This would give a clearer of volumes month by month. It is a catch-all for recently issued loans that have not reached their first repayment date, as well as those loans which have been paying back principal and interest successfully.
There is obviously more uncertainty and risk with loans that have not started their repayments, so they should not be bundled together with the others that are being repaid already.
There are some long-standing doubts about the ownership of Mintos and its relation to some of the loan originators on the platform.
The ultimate beneficiary owner of Mintos is Aigars Kesenfelds. At the same time, he owns no shares in any company.
Since June , the number of businesses in which Kesenfelds is registered as the true beneficiary has increased by a total of 19 companies. I have previously criticized Mintos over its lack of profitability and lack of transparency in the ownership structure.
However, both issues are now solved, as Mintos is profitable and has a healthy cash balance in the bank, and the shareholders and original founders are clearly mentioned on the site now.
Many people are skeptical about P2P lending platforms and prefer to diversify their investments across multiple platforms in case things go south on one of them.
While I think Mintos is currently the best platform in Europe, there are others that are right up there vying for that number one position with Mintos.
They would be worth looking into and possibly used to diversify your portfolio along with your Mintos investment. Another related sector you can consider for investing at good rates is that of crypto-backed loans.
Basically, the idea is that borrowers provided their crypto as collateral when obtaining funding. You can read my review of the best crypto-backed lending sites for more information.
YouHodler and BlockFi are my favorites. I think one should be realistic and understand that this is an area of investment with a certain degree of general risk, and I would like to see Mintos to improve in certain areas as mentioned above, however, when I balance the risks versus the return I feel that investing in such platforms, and Mintos in particular, is justified.
I keep a certain part of my net worth constantly invested in P2P lending platforms to take advantage of their fantastic returns, and Mintos by far holds the biggest portion of this investment.
I have no plans of changing that in the near future as I have been very happy with the performance so far. Therefore, we can wrap this up by saying that Mintos comes highly recommended from me.
Join Mintos today. I highly recommend Mintos for any P2P lending portfolio. Jean Galea is a dad, amateur padel player, host of the Mastermind.
I just would like to say i really Hate mintos.. And mintos is doing nothing about it.. However loan originators going bankrupt is not terribly uncommon, especially in the current economic crisis we are in.
However, Mintos just released their Consolidated annual report for the year a few days ago on I was interested what are your thoughts on that?
Good point Georgi, the answer to that question is that Mintos was in high growth mode in and they hired many people in order to expand into other countries and attract both new loan originators and new investors.
The funding they have allows them to run at a loss while pursuing growth, but as a model it is profitable. Thanks for getting back to me on that one — appreciate that!
I thought they were out of that stage after the reported profitable year, but apparently they were still expanding. I tried the 0.
However, after I decided to withdraw the money all the issues started appearing. It has been more than 2 weeks with me chasing their CS team daily to report on withdrawal transaction that allegedly happened a day after my request.
Thus far, no money, just promises to investigate by Mintos team have been made. Beware, unfortunately, a good investment vehicle has suddenly turned a headache with a potential significant loss.
Have you tried asking your bank as well? I have made several small withdrawals in the past two weeks and they arrived within 2 days in my TransferWise account.
I usually recommend using a digital bank such as TransferWise as all things happen faster and more efficiently. Many local banks are now in crisis mode as they are not used to have a distributed workforce, so things might be more delayed than usual.
I can only agree with Juius comment. Once I tried cashing out investments, the problems started. First customer service said it was a bug, then everything was working perfectly and they just had a delay in the transaction.
The fact is, that it has taken more than 2 weeks of going daily to the website to make withdrawals and I still did not manage to get it all back.
This is obviously excluding all the investments that are in recovery from lenders defaulted or suspended.
Thanks for pointing it out. You might want to re-check the offer and let me know too. The cashback for investors is 0.
I will update the post if this changes again in the future. I am newly entering into P2P platform investing, concretely i have seen only Mintos.
I have a banking background and i am still not clear on some issues.