Mintos VS ViaInvest
Two regulated platforms with different features and investor bases
Mintos
Largest regulated P2P platform in Europe
ViaInvest
Smaller, specialized Latvian platform
Head-to-Head Comparison
11.0%
11.5%
€10
€50
IBF License (MiFID II)
IBF License (MiFID II)
Yes
No
Yes
Yes (60-day delay)
Yes
Yes
350,000+ investors
37,000+ investors
Returns & Yield Comparison
ViaInvest edges out Mintos with 11.5% versus 11.0% returns. For a €10,000 investment over one year, this 0.5% difference translates to €50 in additional earnings - modest but meaningful if you're investing large sums. ViaInvest's slightly higher returns reflect its smaller investor base and more specialized lending portfolio. However, this higher yield comes with more liquidity constraints (no secondary market).
Regulation & Legal Protection
Both platforms are MiFID II regulated Latvian entities, so you receive equivalent regulatory protection. This is a major advantage compared to unregulated platforms. If either company faces insolvency, your investments are covered by EU investor protection directives. The regulatory playing field is completely level - both are equally safe in terms of legal frameworks.
Liquidity & Secondary Market Access
Mintos offers a secondary market allowing you to sell loans before maturity, essential if you need to exit quickly. ViaInvest has no secondary market, meaning your money is locked in until loan maturity. This is ViaInvest's biggest drawback. If liquidity is important, Mintos is superior. However, if you're a "buy and hold" investor, this doesn't matter.
Buyback Guarantees & Default Protection
Both offer buyback guarantees, but with different terms. Mintos buys back immediately, while ViaInvest introduces a 60-day delay. ViaInvest's delay means your capital sits unusable for two months after a loan defaults. For most investors, Mintos' immediate buyback is more convenient and practical.
Entry Requirements & Accessibility
Mintos' €10 minimum is more accessible than ViaInvest's €50 minimum. For small investors testing the platform or building gradually, Mintos' lower barrier is advantageous. Institutional or large investors won't be affected by this difference.
Platform Size & Community Stability
Mintos' 350,000 investors versus ViaInvest's 37,000 represents vastly different operational scales. A larger community provides more diverse lending relationships, better platform reliability, and continuous updates. ViaInvest, while stable, has less organizational depth and fewer resources for product development.
The Verdict
Choose Mintos if: You value liquidity and want the option to exit positions via secondary market. You prefer a larger, more established platform. You want immediate buyback processing. You're starting with less than €50.
Choose ViaInvest if: You're comfortable with illiquid investments and plan to hold to maturity. The extra 0.5% return is meaningful to you. You prefer a smaller, more boutique platform experience. You have at least €50 to invest.
Optimal Allocation: Since both are equally regulated, you could allocate 70% to Mintos for liquidity and stability, and 30% to ViaInvest for the higher yield. This captures the best of both platforms while maintaining flexibility.
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