Start the year with up to 2.5% cashback with Notes for DineritoXtra

DineritoXtra has 11 years of experience and is focused on serving employees, retirees, and pensioners in the government, education and health sectors whose loan repayments are deducted directly from their salaries.

As of the end of 2022, DineritoXtra’s total portfolio of gross receivables was MXN 413 million, which is 32% more than in 2021 and represents a 5-year compound annual growth rate (CAGR) of 23%.

To celebrate its financial results, DineritoXtra has launched a limited time cashback offer for Notes listed at a 10.5% interest rate.

For a limited time, you can earn a cashback on investments in Notes for DineritoXtra with a 10.5% interest rate:

  • 1.0% for Notes with remaining term of up to 12 months 0 days
  • 1.5% for Notes with remaining term from 12 months 1 day to 21 months 0 days
  • 2.0% for Notes with remaining term from 21 months 1 day to 33 months 0 days
  • 2.5% for Notes with remaining term of 33 months 1 day and more

This offer is valid from 16 January to 31 January 2023.

To qualify for the cashback bonus, you’ll need to enroll in the campaign and invest a minimum of €100 (cumulative) into qualifying Notes for DineritoXtra (legal name: Dinerito Audaz SAPI de CV SOFOM ENR).

As of 16 January, there’s about €870 thousand worth of qualifying Notes available on Mintos with interest rates of 10.5%.


Interest rate

Available for investment (€)

up to 12 months 0 days


24 752

12 months 1 day to 21 months 0 days


252 858

21 months 1 day to 33 months 0 days


379 264

33 months 1 day and more


217 413

Only investments made on the Mintos Primary Market via manual investments or custom automated strategies qualify. Investments made before enrolling or made via Diversified, Conservative, or High-yield strategies are not eligible. The cashback will be credited to your Mintos account within 7 business days after making the investment. See full terms

DineritoXtra Notes are listed on Mintos in EUR. The original currency in which the loans were issued is the Mexican Peso. The company has a hedging agreement with the currency management platform Kantox, managing exchange rate risk for EUR exposures for the company’s whole Mintos portfolio.

At the time of the cashback launch, 87.8% of outstanding investments in DineritoXtra loans (via Notes and claims) on Mintos are current. The company has €71k pending for 14 days on average due to bank transfer issues. The payment was made on 4 January, and we received proof of payment. For changes in the pending payments status, see Loan statistics

About DineritoXtra

Dinerito Audaz SAPI de C.V. (DineritoXtra) is a non-banking financial institution funded in 2011. DineritoXtra grants loans to the public sector officials through payroll discount payment mechanisms. With the registered trademark of DineritoXtra, the company has an increasingly solid and differentiated presence in the Mexican alternative finance market.

DineritoXtra issues its loans to either current or retired public sector workers. When issuing a loan, the company identifies and assesses the client, through channels such as payroll receipts, bank statements, proof of address and more, in addition to verification conducted through external institutional portals.

Since the beginning of operations, DineritoXtra has signed a total of 40 cooperation agreements with government agencies. The company has originated a total cumulative amount of MXN 1.3 billion as of 30 September 2022.


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