Investing should be easy. Our predefined Mintos strategies work for portfolios of all sizes, and can get you started in no time.
Create your own customized portfolio. Actively select and manage your investments.
Balancing risk and return
We ensure investors earn adequate returns when using Mintos strategies by setting a minimum interest rate, also known as a rate floor.
We set a dynamic rate floor for each lending company using a price-discovery mechanism. This means we look at the investing activity for a particular lending company (via manual investments and custom automated strategies) and identify where investment volumes are low. For example, if investment volumes below 10% interest are low, we set the rate floor above 10%. If a lending company is new to Mintos, we set the rate floor based on comparable offerings on Mintos.
Rate floors are constantly updated to reflect market conditions, and in case of unexpected market events, we may update them immediately.