Mintos vs Kviku Finance
Head-to-head comparison of Mintos (87/100) and Kviku Finance (50/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Mintos | Kviku Finance |
|---|---|---|
| Crowdscope score | 87/100 | 50/100 |
| Country | Latvia | Cyprus |
| Founded | 2015 | 2020 |
| Loan types | P2P marketplace | Consumer lending |
| Indicative yield | 10.8% | 12% |
| Default rate | 10% | 0% |
| Regulatory status | Investment firm (FCMC) | Non régulé ECSP |
| Minimum investment | 10 € | 50 € |
| Cumulative funded volume | 12,500,000,000 € | 100,000,000 € |
| Registered investors | 600,000 | 0 |
| Secondary market | Yes | No |
| Auto-invest | Yes | Yes |
| Guarantees | Buyback, Group guarantee | Buyback, Group guarantee |
Crowdscope verdict
Mintos takes the higher Crowdscope score (87/100) in this head-to-head, driven by its mix of track record, regulation, guarantees and liquidity. Scores measure structural robustness, not expected return — capital is at risk on both platforms and diversifying across several operators remains the primary risk-control tool.
Mintos vs Kviku Finance — frequently asked questions
Mintos or Kviku Finance: which one should you choose?
On the Crowdscope framework, Mintos scores higher (87/100 versus 50/100). Mintos advertises around 10.8% with a 10% default rate under the Investment firm (FCMC) regime, while Kviku Finance advertises around 12% with a 0% default rate under the Non régulé ECSP regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Mintos and Kviku Finance offers the higher yield?
Kviku Finance advertises the higher indicative yield (12% versus 10.8%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Mintos or Kviku Finance?
Mintos operates a secondary market while Kviku Finance does not, which makes early exits easier on the former.
Can you invest on both Mintos and Kviku Finance?
Yes. Diversifying across several platforms is a common way to limit platform-failure risk, since it spreads exposure across different originators, jurisdictions and regulatory regimes. Capital remains at risk on both.
Last updated: · Reviewed by the Crowdscope editorial team