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Mintos is a peer-to-peer lending marketplace that connects investors with borrowers of various loan originators. Mintos was the first P2P lending platform in Latvia,〔Claus Lehmann (7 September 2015). "Interview with Martins Sulte, Co-Founder and CEO of Mintos" P2P-Banking.com Retrieved 14 October 2015.〕 and provides opportunities to invest in loans in four countries – Latvia, Lithuania, Estonia and Georgia, as well as different loan products – mortgage loans, secured car loans, small business loans and personal loans. P2P marketplace Mintos is open to international investors from all over Europe.〔Erin Hobey (21 May 2015). "Latvian P2P Lender Mintos Expands into Lithuania", Crowdfund Insider. Retrieved 14 October 2015.〕 As of November 2015, platform’s has more than 3,200 registered investors from more than 30 countries, noting that through Mintos loans in amount of €7,3 million in has funded.〔Mintos "Statistics" Retrieved 14 October 2015.〕 Investments can be done from as low as 10 EUR.〔Mintos "About us" Retrieved 14 October 2015.〕 == History == Mintos team started to work on the idea in mid 2014 and launched the platform in January 2015. More than €250 000 had been invested in secure loans through Mintos P2P lending platform in the first week.〔Lelde Petrane "Savstarpējo aizdevumu platformā investēti 250 000 eiro", Dienas Bizness. Retrieved 14 October 2015.〕 In March 2015 Mintos starts offering investors an opportunity to invest in loans secured by a vehicle that are originated and serviced by (Mogo ) in Estonia.〔Mintos "Expanding Operations" Retrieved 16 October 2015.〕 In May 2015 Mintos in cooperation with Mogo introduce buy-back guarantee to the investors, first of its kind in the industry. The buy-back guarantee means that in case the loan becomes delinquent for more than 60 days, it is repurchased from investor at principal value plus accrued interest, as a result the investor does not bear default risk.〔Mintos "Buyback guarantee for secured car loans on Mintos" Retrieved 12 November 2015.〕 In May 2015 Mintos starts offering secured car loans in Lithuania that are provided to consumers in cooperation with Mogo, market leading car loan provider in the region.〔Mintos "Mintos expands to Lithuania" Retrieved 16 October 2015.〕 In June 2015 have co-founded the Crowdfunding Association of Latvia.〔BC "Crowdfunding Association of Latvia established", The Baltic Course. Retrieved 16 October 2015.〕 In July 2015 (Capitalia ) joins the Mintos lending marketplace. Loans issued by (Capitalia ) are available on Mintos marketplace and each and every investor can invest in small and medium enterprises in Latvia and Lithuania.〔Capitalia "Now everyone can invest in SME in Latvia" Retrieved 16 October 2015.〕 Mintos is planning to move the platform to the UK and submit it to Financial Conduct Authority (FCA) regulatory supervision. The decision was made due to the fact that the UK, and London in particular, is the world’s largest centre for FinTech.〔"Creamfinance Partnership with Mintos to Offer Investments in Loans in Georgia" Retrieved 11 November 2015.〕 In September 2015 (Creamfinance ) joins the Mintos platform. Unsecured short-term loans, originated by (Creamfinance ) in Georgia with the CreditON brand, are available for investment on the platform.〔Mintos "Short-term personal loans available on Mintos platform" Retrieved 16 October 2015.〕 By reaching an agreement with the non-bank lender (Creamfinance ), the peer-to-peer lending platform Mintos has expanded investment opportunities by offering investors the opportunity to invest in short-term unsecured loans issued in Georgia.〔"Creamfinance Partnership with Mintos to Offer Investments in Loans in Georgia" Retrieved 11 November 2015〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Mintos」の詳細全文を読む スポンサード リンク
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