Mintos, the Riga-based investment platform that has grown into one of Europe’s largest marketplaces for retail wealth-building products, is expanding its fixed-income offering with the launch of an automated High-Yield Bonds portfolio. The move marks the company’s most significant push yet into simplifying access to corporate bond markets for everyday investors.
The new feature builds on Mintos’ existing range of individual bonds and is designed to remove the complexity that typically accompanies high-yield investing. Once activated, the portfolio automatically distributes an investor’s funds across at least 20 high-yield corporate bonds, spanning multiple sectors and issuers. Mintos’ proprietary system continues to rebalance and reinvest proceeds to keep diversification intact over time.
“Investors told us they want access to higher yields, but without the complexity that usually comes with selecting and buying individual bonds,” said Martins Sulte, Mintos’ chief executive and co-founder. “With automated investing in high-yield bonds, we’re bringing professional-level diversification and access to a market that’s often out of reach for most retail investors.”
The launch comes amid a resurgence of interest in fixed-income assets. According to Mintos, the number of investors allocating money to bonds on the platform rose 61 per cent between 2024 and 2025, driving an 86 per cent increase in total investment volume. The trend mirrors broader market behaviour, as retail investors seek stability and predictable income following a period of volatile equity markets and shifting interest rate expectations.
Mintos has doubled its bond offering in the last year
Mintos, which began branching into bonds in 2023, has more than doubled the number of listed instruments in the past year. Its marketplace now includes bonds from over 40 European issuers, among them airBaltic, Eleving, Esto, Nexus, Reima and Summus Capital. The company says the diversification of issuers reflects investors’ growing appetite for income-generating assets beyond traditional equity portfolios or loan-based products.
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High-yield bonds, long favoured by institutional investors seeking elevated returns, typically come with steep entry requirements and minimum investment thresholds. Mintos is attempting to break those barriers through fractionalisation, allowing users to invest from as little as €50. That low threshold, the company argues, enables retail savers to build diversified exposure to corporate credit markets without committing large lump sums.
The platform is also emphasising liquidity, traditionally one of the weakest points of high-yield bond investing. Instead of tying up funds until a bond matures, Mintos allows investors to cash out on demand by selling holdings via its secondary market. The company cautions, however, that liquidity depends on market conditions and buyer demand, meaning availability may vary.
The High-Yield Bonds portfolio comes with a 0.39 per cent annual management fee, charged monthly, though Mintos is waiving fees until the end of 2025 in an effort to encourage adoption. The firm says the automated strategy is intended as a complement to its existing offering of loans and ETFs, positioning bonds as part of a broader toolkit for long-term wealth building.
For Mintos, the expansion signals a shift from its origins in loan-based investing toward a more comprehensive investment platform. And for retail investors, it offers a new route into a segment of the bond market that has historically been the preserve of institutions, albeit one still shaped by the risks inherent in high-yield credit.
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