Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

Family trusts, partnerships, limited liability companies and other organizations must have a bank account and be registered in the EU or third countries currently considered to have AML/CFT systems equivalent to the EU.

As with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by Mintos and loan originators to mitigate the risk: 

1. All loans are issued according to the established policies of the loan originators, which take into account the borrower’s ability to repay the loan. 
2. For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk. 
3. For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee. 
4. For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase. 

Investors can mitigate risks by diversifying – making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.

The minimum investment in any single loan on the primary market is EUR 10, DKK 80, GEL 25, PLN 50, GBP 10, SEK 100, RON 50, RUB 700 or CZK 300. There is no minimum for investments in the secondary market.

Each borrower makes monthly payments according to their loan agreements, which can consist of principal, interest and late payment fees, or any combination of the above.

The principal part of the payment reduces the carrying value of your investment in the loan, while the interest and late payment fee portion of the payment is treated as your income.

Your portion of the payment, which is calculated based on your investment in any particular loan, will be added to your Mintos account after the payment has been processed. You can then choose to invest the funds in more loans or transfer them to your bank or e-money account. Because different loans have different payment due dates, most investors with multiple investments see a continuous stream of payments added to their Mintos account throughout the month.