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Mintos related Loan Originators(Verbind. zwischen Anbahnern)  
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j789



Anmeldedatum: 09.01.2019
Beiträge: 1233

BeitragVerfasst am: 03.11.2019, 01:14    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Wenn man mal die Anbahner durchschaut, steht bei einigen:

Einige der Eigenkapitalgeber des Kreditgebers und von Mintos* überschneiden sich.

Das ist bei Bino, Kuki, ExpressCredit Group, Mogo, Zenka, Sebo, Simbo und Tengo der Fall.

Bei anderen steht auch:

X ist ein mit Mintos* verbundenes Unternehmen im Sinne von IAS 24.

Das ist bei ExpressCredit Group, Kredo, Metrokredit, Monego und Tigo der Fall.
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Rick Lusitano



Anmeldedatum: 19.03.2019
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BeitragVerfasst am: 03.11.2019, 01:58    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

j789 hat Folgendes geschrieben:
Wenn man mal die Anbahner durchschaut, steht bei einigen:

Einige der Eigenkapitalgeber des Kreditgebers und von Mintos* überschneiden sich.

Das ist bei Bino, Kuki, ExpressCredit Group, Mogo, Zenka, Sebo, Simbo und Tengo der Fall.

Bei anderen steht auch:

X ist ein mit Mintos* verbundenes Unternehmen im Sinne von IAS 24.

Das ist bei ExpressCredit Group, Kredo, Metrokredit, Monego und Tigo der Fall.



All that means, Mintos* and some LO have the same shareholders.

But there are some LO that Mintos* don't recognize as a company with the same shareholders. Could be that Mintos* just forget to communicate or don't know or don't want us to know.
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Rick Lusitano



Anmeldedatum: 19.03.2019
Beiträge: 85

BeitragVerfasst am: 03.11.2019, 15:54    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Peachy (Cash On Go) is a possibility of an LO related to Mintos:

According to FCA, Cash On Go have 2 representatives:
Kristjan Novitski (Estonian) => Kristian is the CEO
Una Hewitt (Latvian) => Una is the COO


Una is also the CEO Orange Sky Finance, a Latvian company with the legal name of Puzzle Finance AS. This Orange Sky Finance/Puzzle Finance AS shared the same address with Mintos* (LinkedIn), but now moved to Riga, Skanstes iela 52, LV-1013, as did the Fintera Group, a Mintos* related Group.

Zitat:
Orange Sky Finance
Financial Services | Riga, Rigas
Fast growing fintech company based in Europe but operating mainly in the region of Southern Africa.


Also with the same address move is Smart Finance Holding AS, a Latvian company, officially the owner of Cash On Go (Peachy) as seen on the Cash On Go Financial Statements page 30:

Zitat:
The ultimate parent company is AS Smart Finance Holding (former SIA Smart Finance Holding) a company registered in Latvia.



References:
FCA - Cash on Go (Peachy): https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000khgLmAAI
Orange Sky Finance - https://orangesky.finance/
Orange Sky Finance - https://www.linkedin.com/company/orangeskyfinance/about/
Cash on Go (Peachy) - Financial Statements: https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/ACC887B2-FB8C-657A-EF73-D187892B640E.pdf
Lursoft: https://www.lursoft.lv/?l=en
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Rick Lusitano



Anmeldedatum: 19.03.2019
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BeitragVerfasst am: 03.11.2019, 16:06    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Another possibility is Watu Credit, a Kenyan LO, but with a Latvian CEO, Andris Kaneps. Accordding to the financial statements, page 3:

Watu Credit - Financial Statements: https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/C335FB6A-6B15-A2B3-77E7-9C40D0441D71.pdf
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Rick Lusitano



Anmeldedatum: 19.03.2019
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BeitragVerfasst am: 03.11.2019, 16:43    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Rick Lusitano hat Folgendes geschrieben:
Peachy (Cash On Go) is a possibility of an LO related to Mintos:

According to FCA, Cash On Go have 2 representatives:
Kristjan Novitski (Estonian) => Kristian is the CEO
Una Hewitt (Latvian) => Una is the COO


Una is also the CEO Orange Sky Finance, a Latvian company with the legal name of Puzzle Finance AS. This Orange Sky Finance/Puzzle Finance AS shared the same address with Mintos* (LinkedIn), but now moved to Riga, Skanstes iela 52, LV-1013, as did the Fintera Group, a Mintos* related Group.

Zitat:
Orange Sky Finance
Financial Services | Riga, Rigas
Fast growing fintech company based in Europe but operating mainly in the region of Southern Africa.


Also with the same address move is Smart Finance Holding AS, a Latvian company, officially the owner of Cash On Go (Peachy) as seen on the Cash On Go Financial Statements page 30:

Zitat:
The ultimate parent company is AS Smart Finance Holding (former SIA Smart Finance Holding) a company registered in Latvia.




If we search for companies on that address, Rīga, Skanstes iela 52, we find several companies with same telephone number +371 26461863:


Avole Holdings, AS
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

BCAP Holding, SIA
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

Grumpy Investments, AS => Skillion Ventures AS; Mintos Holding (parent company of Mintos Marketplace)
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

MLJH Capital, AS
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

Novo Holdings, AS
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

Obelo Capital, AS => Mogo Finance
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

Puzzle Finance, AS => "Southern African LO"
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863

Smart Finance Holding, AS => Peachy
Rīga, Skanstes iela 52
Activities of holding companies (64.20, version 2.0) (Source: SRS)
Telephone
+371 26461863


Lursoft: https://www.lursoft.lv/?l=en
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Rick Lusitano



Anmeldedatum: 19.03.2019
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BeitragVerfasst am: 03.11.2019, 17:13    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Zenka Group AS, the parent group of Zenka Finance is on same address, Rīga, Skanstes iela 52


Lursoft: https://www.lursoft.lv/?l=en
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TTom



Anmeldedatum: 09.10.2011
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BeitragVerfasst am: 03.11.2019, 18:04    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Rick, many many thanks for your hard investigation work on this!
I think this information is very valuable for all Mintos* investors.

For me it wasn't clear until now, that Banknote/Vizia, Varks and ExpressCredit are within one group.
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Mephisto



Anmeldedatum: 22.03.2017
Beiträge: 460

BeitragVerfasst am: 03.11.2019, 18:09    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Rick thank you really much for your hard work. Unfortunately as long as we don't know the liabilities between the corporations in one group we cannot asses the risk respectively if this increases the risk for oneself or not.
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Mikefamex



Anmeldedatum: 04.01.2019
Beiträge: 1129
Wohnort: Frankreich

BeitragVerfasst am: 03.11.2019, 21:43    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Great work, Rick, many thanks! I think, a lot of Investors will think about their investments on Mintos!
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Thep2pinvestor



Anmeldedatum: 19.04.2016
Beiträge: 631

BeitragVerfasst am: 04.11.2019, 08:29    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Mikefamex hat Folgendes geschrieben:
Great work, Rick, many thanks! I think, a lot of Investors will think about their investments on Mintos!


Indeed ! I join those who are grateful to Rick.

Not only the risk premia have come down significantly but there is also a large exposure risk that some were not aware of, a least not to this extent, like me. Because of the interest rate situation I have already withdrawn 17 K but I guess I will continue to withdraw money.
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Pyro439



Anmeldedatum: 08.03.2019
Beiträge: 227

BeitragVerfasst am: 04.11.2019, 11:29    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Hello Rick,

thanks for your great work. But I am not so sure about that the African ExpressCredit is related to Expresscredit.lv. Cause the Expresscredit Holding AS you mentioned is just an construct Mintos* made for the payment.
I cannot find any relationship between Expresscredit Holding AS to ExpressCredit Ltd. (Latvia).
I made some similar investigations a few months ago, also with ViaInvest 4Finance (first company of the people behind mintos), all those companies are related to a group of people based in Russia
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TheManiac



Anmeldedatum: 22.01.2019
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BeitragVerfasst am: 04.11.2019, 15:39    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

I knew about some connections between Mintos* and several LO, but this is really hard stuff.

Thank you Rick for collecting all this data.

I will continue withdrawing money from Mintos*, I just don't feel comfortable with Mintos* anymore.
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carnold



Anmeldedatum: 20.05.2018
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BeitragVerfasst am: 04.11.2019, 20:13    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

While I also knew that some LO are connected, the magnitude of it seems to be bigger than anticipated. However, I have the following questions or concerns to correctly interpret the new information:

Even if Varks and ExpressCredit do belong to the same group, which is something that is hidden from investors for a reaosn probably, what does it mean for the overall risk assessment? If ExpressCredit goes bust, how does it change the likelihood of Varks or any of the other LO in the group to get into trouble? If these two are independent, the situation is as before even if they belong to the same group overall. If the risk becomes lower because they "help" each other in case of financial distress, even better. Only if risk increases, it becomes a real issue. The Mintos* group guarantee is only for within ExpressCredit, not for the "Metagroup".
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microp2p



Anmeldedatum: 17.04.2017
Beiträge: 155

BeitragVerfasst am: 04.11.2019, 20:18    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

has anyone informed mintos* about this thread for an official statement maybe?
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Mephisto



Anmeldedatum: 22.03.2017
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BeitragVerfasst am: 04.11.2019, 21:56    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

carnold hat Folgendes geschrieben:
While I also knew that some LO are connected, the magnitude of it seems to be bigger than anticipated. However, I have the following questions or concerns to correctly interpret the new information:

Even if Varks and ExpressCredit do belong to the same group, which is something that is hidden from investors for a reaosn probably, what does it mean for the overall risk assessment? If ExpressCredit goes bust, how does it change the likelihood of Varks or any of the other LO in the group to get into trouble? If these two are independent, the situation is as before even if they belong to the same group overall. If the risk becomes lower because they "help" each other in case of financial distress, even better. Only if risk increases, it becomes a real issue. The Mintos* group guarantee is only for within ExpressCredit, not for the "Metagroup".


That is the main point in this discussion.
If there could be a snowball effect in one group that would be a big problem. If for example Varks could go bankrupt without affecting ExpressCredit there is no bigger problem.
As long as we don't know the liability between the companies in one group the information about a connection is interesting but useless in assessing the underlying risk.
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