Mintos aims to diversify Portuguese portfolios dominated by real estate and current accounts.
Only 5% of people actively invest their money in stocks or bonds.
Flag of Portugal. Source: webted/Flickr
After its
recent launch in the Czech Republic, the investment platform Mintos is now
entering an even more challenging European market, where only one in five
people actively invests. The provider aims to encourage the Portuguese, who
primarily keep savings in bank accounts or real estate, to take a more active
approach to managing their finances.
Mintos Expands European
Footprint with Launch in Portugal
A recent
survey by the local National Council of Financial Supervisors on financial literacy in Portugal revealed that only 5.2% of people actively invest in stocks
and bonds. The majority of Portuguese families, about 84%, keep their money in
current accounts, while approximately one-third use term deposits.
Moreover, a
separate European Central Bank (ECB) study revealed that Portuguese
people lack trust in the investment market and choose to accumulate wealth in
the real estate market, including land and their own homes.
Founded in
2015, Mintos intends to change that, and its history so far suggests that the
fintech may be able to do so. The investment firm already has over 500,000
clients in Europe and, as a MiFID-authorized platform, it currently administers
more than €600 million in assets.
Martins Sulte, CEO and co-founder of Mintos
“In
analyzing these results, the heavy reliance on owned real estate assets in
Portugal and the low engagement with financial instruments indicate an
opportunity for diversification,” said Martins Sulte, CEO and co-founder
of Mintos. “Mintos is designed for investors who seek to steadily grow
their portfolio over time, using automated tools and a range of multi-asset
options to help investors diversify their portfolios wisely.”
Mintos Expands to the Czech
Republic
The
expansion into Portugal follows Mintos' successful launches in several other
European Union countries. Last week, it announced its entry into the Czech
market, where significantly more people invest. Recent surveys have shown that
nearly every other Czech invests at least some of their income.
Mintos
offers a variety of investment options, including loans, bonds, ETFs, real
estate, and a product called Smart Cash.
“We're
excited to continue introducing diverse investment options on our platform to
new regions,” Sulte added. “Our goal is to make investing accessible
to all levels of investors, providing simple ways to diversify portfolios with
both traditional and alternative assets.”
Previously,
the company also obtained licenses to operate in Lithuania, but it began
offering its services initially in the German, Spanish, and French markets.
A few
months ago, Mintos released its annual report for 2023, which provided detailed
insights into the financial performance of the fintech company. Last year, it
recorded revenues of €11.1 million, an increase of over 30% from €8.4 million
in 2022. As a result, the total comprehensive profit for the year climbed to
€1.05 million, up from €529,000 the previous year.
After its
recent launch in the Czech Republic, the investment platform Mintos is now
entering an even more challenging European market, where only one in five
people actively invests. The provider aims to encourage the Portuguese, who
primarily keep savings in bank accounts or real estate, to take a more active
approach to managing their finances.
Mintos Expands European
Footprint with Launch in Portugal
A recent
survey by the local National Council of Financial Supervisors on financial literacy in Portugal revealed that only 5.2% of people actively invest in stocks
and bonds. The majority of Portuguese families, about 84%, keep their money in
current accounts, while approximately one-third use term deposits.
Moreover, a
separate European Central Bank (ECB) study revealed that Portuguese
people lack trust in the investment market and choose to accumulate wealth in
the real estate market, including land and their own homes.
Founded in
2015, Mintos intends to change that, and its history so far suggests that the
fintech may be able to do so. The investment firm already has over 500,000
clients in Europe and, as a MiFID-authorized platform, it currently administers
more than €600 million in assets.
Martins Sulte, CEO and co-founder of Mintos
“In
analyzing these results, the heavy reliance on owned real estate assets in
Portugal and the low engagement with financial instruments indicate an
opportunity for diversification,” said Martins Sulte, CEO and co-founder
of Mintos. “Mintos is designed for investors who seek to steadily grow
their portfolio over time, using automated tools and a range of multi-asset
options to help investors diversify their portfolios wisely.”
Mintos Expands to the Czech
Republic
The
expansion into Portugal follows Mintos' successful launches in several other
European Union countries. Last week, it announced its entry into the Czech
market, where significantly more people invest. Recent surveys have shown that
nearly every other Czech invests at least some of their income.
Mintos
offers a variety of investment options, including loans, bonds, ETFs, real
estate, and a product called Smart Cash.
“We're
excited to continue introducing diverse investment options on our platform to
new regions,” Sulte added. “Our goal is to make investing accessible
to all levels of investors, providing simple ways to diversify portfolios with
both traditional and alternative assets.”
Previously,
the company also obtained licenses to operate in Lithuania, but it began
offering its services initially in the German, Spanish, and French markets.
A few
months ago, Mintos released its annual report for 2023, which provided detailed
insights into the financial performance of the fintech company. Last year, it
recorded revenues of €11.1 million, an increase of over 30% from €8.4 million
in 2022. As a result, the total comprehensive profit for the year climbed to
€1.05 million, up from €529,000 the previous year.
Damian's adventure with financial markets began at the Cracow University of Economics, where he obtained his MA in finance and accounting. Starting from the retail trader perspective, he collaborated with brokerage houses and financial portals in Poland as an independent editor and content manager. His adventure with Finance Magnates began in 2016, where he is working as a business intelligence analyst.
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Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
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In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
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Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
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We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
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Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
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Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
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#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
