Marketplace lending across multiple originator companies and multiple loan types created the model that became known as a P2P investment marketplace — and Mintos is the platform that brought that model to its largest European scale. Founded in Riga in 2015, Mintos built a platform connecting retail investors with consumer and business loans originated by lending companies across more than 30 countries. Investors could diversify across dozens of originators, multiple loan types, and many currencies through a single account, while the originators gained access to retail investment capital that supplemented or replaced bank funding. At its peak, Mintos was the largest European P2P investment platform by funded loan volume, with a substantial international investor base and billions in loans funded through the platform. The platform navigated significant turbulence as multiple originator partners faced difficulties through 2020 and the broader European P2P sector consolidated, requiring the company to extend support to investors affected by originator defaults. Mintos has continued operating as the platform has evolved its risk management framework and originator vetting standards. In the European retail investment landscape, Mintos represented the most ambitious version of the marketplace lending thesis — and its trajectory illustrates both the genuine appeal of the model to retail investors and the operational complexity of managing originator risk at scale across multiple jurisdictions.