RIGA, Latvia, Feb. 17, 2026 /PRNewswire/ -- Mintos, a European multi-asset investment platform, has taken a major step in its long-term strategy by initiating the process to pursue a banking licence from the European Central Bank (ECB). Obtaining a banking licence would strengthen investor trust, expand Mintos' financial infrastructure, and support sustainable growth across Europe.
Founded ten years ago as a peer-to-peer lending marketplace, Mintos has evolved into a regulated, multi-asset investment platform serving nearly 700,000 registered investors and managing over €800 million in assets. Over the past two years, the company has expanded its product offering to include fractional bonds, ETF portfolios, real estate, and Smart Cash, while completing its rollout across all EU markets.
Pursuing an ECB banking licence represents the next logical phase of Mintos' development. The licence, subject to regulatory approval, will provide access to deposit-based funding and create a foundation for offering lending and other banking products directly to customers, significantly expanding the platform's long-term product offering.
The banking licence also enables deposit protection of up to €100,000* and would give Mintos greater control over key parts of its infrastructure, including custody, clearing, and settlement. Together, these capabilities aim to further strengthen investor confidence and support sustainable, long-term growth.
" said Martins Sulte, CEO and Co-Founder of Mintos. "
Mintos expects the banking licence process to take approximately 12 to 18 months, subject to regulatory approvals.
The strategic shift is supported by Mintos' broader capital-raising efforts, including the successful completion of a recent funding round on the Mintos platform. In this round, nearly 6,000 Mintos investors committed a total of €2.8 million, marking an important first step in funding the company's next phase.
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