Mintos

At DevDays Europe, our CTO Aleksandrs Kryukovs shared how Mintos is rethinking product and engineering for 3x scale as we evolve from a multi-asset investing platform into a broader financial ecosystem. The central idea: an engineering organisation is itself a system, and it can be designed and revised like one. Every model carries trade-offs, even the best-practice ones, so the work is staying honest about what your organisation actually needs rather than adopting a structure because it looks right on paper. Mintos has moved through the models that fit each moment: from no formal structure, to domain teams, to empowered teams, and now to a model built for scale. Each shift solved the previous stage's problem and introduced the next one: teams multiplied, but cross-team visibility did not scale with them. Short-lived initiatives created tension with long-lived ownership. Technical direction needed to become more explicit, with clearer leadership and stronger alignment across domains. The talk explained how we tackle these challenges structurally and what we, as a growing organisation, are betting on. The real answer is that this is consistent work in progress. The goal is not to design the perfect structure, but to build an organisation that can absorb growth without losing what made it effective in the first place: clarity, ownership, and speed.

We had a great time at DevDays Europe, a software development conference created for developers, by developers. Over three content-rich days, the event brought together engineers, tech leaders, and international speakers to exchange ideas on emerging technologies, best practices, and the future of software development. For us, it was a fantastic opportunity to be there with our stand, meet engineers from across Europe, and have meaningful conversations about Mintos - both as an investment platform and as a technology-driven company. It was especially exciting to see strong interest in Mintos, not only from those curious to try the platform, but also from developers interested in our engineering culture and career opportunities. A special mention as well to our CTO, who spoke at the event - more on that coming soon. Thank you to everyone who stopped by, asked questions, and shared ideas with us. See you at the next one!

Every year, our Mintos runners take on the Rimi Riga Marathon: challenging themselves, supporting each other, and bringing plenty of team spirit along the way. This year, our colleagues were represented across several distances: 🏃♀️ 13 runners in the 10 km 🔥 13 runners in the Half Marathon 👥 1 team of 4 runners in the 42 km Relay It was amazing to see our team show up with so much energy and determination - and even more exciting to celebrate several personal records along the way. Well done to everyone who ran, cheered, and supported along the way. See you at the next starting line! 💪

Mintos is expanding its multi-asset offering with residential real estate investment opportunities in Spain, launched in partnership with PropHero. This new offering gives investors access to long-term rental housing in regional Spanish cities such as Valencia, Murcia, and Alicante through regulated financial instruments under Mintos’ MiFID II framework. The partnership combines Mintos’ investment infrastructure with PropHero’s local real estate expertise and operational capabilities across sourcing, renovation, rental management, and asset optimisation. The offering reflects growing investor interest in income-generating real estate and increasing demand for long-term rental housing in Spain’s regional markets. Mintos has focused on cities where rental income appears strong relative to property purchase prices, with demand supported by long-term residential occupancy rather than seasonal tourism trends. With investments starting from €50, the product further expands access to diversified real estate investing for retail investors across Europe.

In case you missed the announcement -  our CEO & Co-Founder, Martins Sulte, will be attending Baltic Fintech Days on 12–13 May in Riga. If you’re attending, make sure to join his fireside chat on 13 May, moderated by Anda Asere: From Riga to Europe: building trust and scale in democratized investing Growing an investment platform takes more than innovative technology. In this session, Martins will share Mintos’ journey from Riga to the rest of Europe, highlighting the role of transparency in building investor trust, navigating MiFID II regulation while continuing to innovate, and developing long-term income products designed for everyday investors across the region. Join us at the event: 📅 12–13 May 2026 🏛️ Hanzas Perons, Riga 🎟️ Tickets: https://lnkd.in/g6w95G-K

Health Month is back at Mintos! 🌿   Every year, we dedicate a full month to healthy habits, well-being, and movement - encouraging our #MintosPeople to focus on one of the most important aspects of life: health. At Mintos, this comes naturally. Many of our colleagues are already actively involved in sports, exercise, and mindfulness practices, so Health Month is all about building on that momentum together. We kicked things off with an insightful session from our colleague Atis Jansons, who shared lessons from his experience in professional running. He highlighted the often-overlooked importance of recovery in training and shared practical tips that everyone can apply in their daily routines. To keep the energy up, we’ve also introduced a smoothie station in the office: making it easy to grab a nutritious, healthy snack on the go 🍓🥬 And this is just the beginning: there’s plenty more to come throughout the month. Stay tuned!

Heading to Invest Stuttgart on April 17–18? 🇩🇪 Come find us! The Mintos team will be on the ground in Stuttgart, and we'd love to meet you in person. We're part of a strong Latvian delegation: 8 alternative fixed-income platforms showcasing how this space is evolving across Europe — Debitum, Mintos, TWINO, VIAINVEST, nectaro, LANDE, Indemo.eu, and Capitalia. 🎤 Aleks Antero Bleck and Lennard Kleine Niesse will also be taking the stage, sharing their perspective on where fixed income fits in a well-diversified, long-term portfolio. Whether you want to dig into that topic further or simply catch up on what's new at Mintos, come say hi. 📍 Hall 4, Stand 4B31 (LIAA stand) See you there 👋

A banking licence is often seen as an achievement. In reality, it changes how a company operates day to day. At the Fintech Latvia Association x Sorainen event, our Chief Legal and Compliance Officer, Inese Lazdovska, joined Latvijas Banka and industry peers to discuss the process beyond the application itself. What came through clearly: a banking licence doesn't fix a business model. It changes what you're held to. Regulators aren't just asking whether you operate well - they want to know you hold up when things get hard. The scrutiny goes deeper, across governance, capital, and how decisions get made under pressure. For Mintos, this is about building a platform with fewer dependencies. Parts of what we do today rely on third-party infrastructure. Taking this step means more direct control over how we operate, and the ability to expand what we can offer investors. We’re building on a regulated foundation that already serves nearly 700,000 investors, and taking the next step from a position of scale, experience, and a model that already works. Thanks to Fintech Latvia Association and Sorainen for a practical and honest discussion.

Pension systems across Europe are under growing pressure, and that pressure isn’t going away. As populations age and the workforce shrinks, the gap between what traditional pensions can provide and what people will need is becoming more visible. This was the focus of a recent panel our CEO and Co-Founder, Martins Sulte, was invited to join alongside the Bank of Latvia and INDEXO, grounded in new research by the Stockholm School of Economics in Riga. The direction is clear: there is no single solution. Long-term sustainability will depend on a combination of structural reform, stronger labour force participation, and economic growth. But just as importantly, the role of the individual investor is changing. Relying on pensions alone is unlikely to be enough for the next generation. Building financial security will increasingly mean combining multiple approaches, with long-term investing playing a central role. This shift is already underway. Investors are looking for ways to diversify, generate additional income, and take a more active role in shaping their financial future. At Mintos, we see this not as a trend, but as a structural change in how people approach investing. Thank you to INDEXO for bringing together such a relevant and forward-looking discussion.

We had a great time representing Mintos at RTU Career Day in Riga this month 🙌 It was amazing to meet so many motivated students, recent graduates, and future professionals, and to have genuinely engaging conversations about careers, growth, and what matters most in the workplace today. This year’s event brought together RTU, RBS, and RSU for the first time, creating an even broader space for connection between talent and employers. With a strong focus on well-being at work, it was especially meaningful to discuss not just career paths, but also how to build sustainable, balanced professional lives. At Mintos, we’re always looking to connect with curious, driven people who want to make an impact  - and events like this remind us how much exciting talent is out there. 🚀