P2P Lending Comparison
Mintos vs PeerBerry: Which Fits Your Portfolio in 2026?
MiFID II licence and EUR 20,000 compensation vs ECSP pending and universal buyback. Real data, no hype, capital at risk.
Quick summary. Mintos holds a MiFID II licence from Latvijas Banka and offers a EUR 20,000 compensation scheme covering eligible claims against the firm, not borrower defaults. PeerBerry is awaiting ECSP approval in Lithuania and provides a universal buyback guarantee across its loan book, unlike Mintos' originator-dependent model. Both platforms carry a risk of partial or total loss of capital.
Side-by-side comparison
| Platform | HQ | Since | Regulator | Loan types | Buyback | Secondary market | Minimum | Target return |
|---|---|---|---|---|---|---|---|---|
| Mintos | Riga, Latvia | 2015 | Latvijas Banka, MiFID II | Consumer, business, car, bonds, real estate | Partial (originator-dependent) | Yes | EUR 50 | 9-11% |
| PeerBerry | Zagreb, Croatia | 2017 | None (ECSP pending, Lithuania) | Consumer, leasing, real estate, business | Yes | Yes | EUR 10 | ~11.04% |
Where Mintos wins
- Regulatory licence. Mintos holds a MiFID II licence from Latvijas Banka, a full EU financial regulator. PeerBerry's ECSP application with the Bank of Lithuania is pending as of 2026.
- Compensation scheme. Mintos offers a EUR 20,000 compensation scheme covering eligible claims against the firm itself - this does not cover borrower defaults but provides a layer of protection if the platform encounters financial difficulty. PeerBerry has no equivalent scheme.
- Track record. Mintos has operated since 2015 and reports EUR 12.4 billion cumulative volume with over 700,000 registered investors. PeerBerry launched in 2017 and has a shorter public history.
- Loan diversity. Mintos lists consumer, business, car, bond and real estate loans across multiple originators. PeerBerry focuses on consumer, leasing, real estate and business loans but with a narrower originator base.
Where PeerBerry wins
- Universal buyback. PeerBerry provides a buyback guarantee across its entire loan book. Mintos buyback is originator-dependent - some originators offer it, others do not - which introduces variability in investor protection.
- Lower minimum. PeerBerry accepts a EUR 10 minimum investment. Mintos requires EUR 50, which is still accessible but higher than PeerBerry's floor.
- Simpler structure. PeerBerry's universal buyback and narrower originator base may be easier for new investors to evaluate. Mintos' multi-originator marketplace requires more due diligence at the originator level.
Bottom line
Mintos' MiFID II licence and EUR 20,000 compensation scheme (covering firm claims, not borrower defaults) offer regulatory depth that PeerBerry's pending ECSP application does not yet match. PeerBerry counters with a universal buyback guarantee and a EUR 10 minimum, making it more accessible and uniform in structure. Neither platform eliminates the risk of partial or total loss of capital. Investors comfortable with a regulated, multi-originator marketplace and originator-level due diligence typically lean toward Mintos. Investors seeking a simpler, buyback-backed model with a lower entry threshold consider PeerBerry. Verify all terms directly with each platform before investing and understand that past performance does not guarantee future results.
Not sponsored. See affiliate disclosure - no current paid partnership with Mintos.
Frequently asked questions
No. Mintos offers a EUR 20,000 compensation scheme through Latvijas Banka that covers eligible claims against the firm itself, not borrower defaults. PeerBerry has no equivalent compensation scheme. Its ECSP application with Lithuanian authorities is pending as of 2026.
PeerBerry offers a universal buyback guarantee across its loan book. Mintos buyback is originator-dependent - some originators provide it, others do not. Neither guarantee eliminates the risk of capital loss if an originator or the platform itself encounters financial difficulty.
Both platforms accept a low minimum - EUR 50 for Mintos, EUR 10 for PeerBerry - and offer auto-invest tools. Mintos holds a MiFID II licence from Latvijas Banka and provides originator-level risk disclosure; PeerBerry is awaiting ECSP approval. Beginners should verify all terms directly with each platform and understand that P2P lending carries a risk of partial or total loss of capital.