Introducing: A more detailed Mintos Risk Score

We’re pleased to announce an improvement to how the Mintos Risk Score is displayed on Mintos.

Previously, we displayed Mintos Risk Scores as whole numbers, for example, 7. But now, we display all Mintos Risk Scores rounded to one decimal place, such as 7.2.

This more granular approach aims to provide further transparency regarding a Note’s Mintos Risk Score. In particular, it should assist you in distinguishing the differences between Notes for lending companies with similar scores. For example, Notes with a Mintos Risk Score of 6.5 and 7.4 were previously both displayed as 7. 

Please note there have been no changes to how we assess the risk of Notes for lending companies or how strategies invest. The only difference is how the Mintos Risk Score is displayed on the platform. 

Because of this more detailed approach, the Mintos conservative strategy, which previously displayed Notes with a Mintos Risk Score of 7 or above, now shows Notes with a Mintos Risk Score of 6.5 or above. And for existing custom automated strategies, the Mintos Risk Score filter for Notes is more precise. For example, Notes with a previous Mintos Risk Score filter of 7 now show a score in the 6.5 – 7.4 range.

To view these more detailed scores, see current Mintos Risk Scores. Or, to learn more about how we calculate the Mintos Risk Score, you can visit the FAQs.


Under no circumstances should the Mintos Risk Score be treated and relied upon as a credit rating in accordance with the methodology and provisions defined by the Regulation (EC) No 1060/2009 on credit rating agencies. The Mintos Risk Score is not investment advice and Mintos cannot be held liable for any losses which may result from basing investment decisions on information and/or analytical materials provided on this website.


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