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Mintos related Loan Originators(Verbind. zwischen Anbahnern)  
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carnold



Anmeldedatum: 20.05.2018
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BeitragVerfasst am: 17.12.2019, 20:33    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Thanks Rick, I am now more convinced and I see the indirect links! So it looks like Finko + Latvian ExpressCredit are also heavily linked. Or were? Do you feel that the recent reorganizations made them more or less independent?

Then the last remaining question before investigating other LO not yet in the list is, how the Latvian ExpressCredit is connected to the African one...
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Rick Lusitano



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BeitragVerfasst am: 17.12.2019, 21:42    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Before Mintos* reveals another Group, perhaps because it's first revealed here. So Mintos* will have some will to expose officially more information to the investors.

The Finko Group page mentions already 9 open markets, but there is also other markets in standby. We already know today 6 LO (there is a new Ukranian LO in the Finko Group page at Mintos). So there are at least 3 LO unknown to the group.

So the my news about LO and Holding groups related to Mintos:

In LinkedIn profiles, I found out that the ExpressCredit have branches in Latvia, Georgia, Zambia, Botswana, Malawi.

- Latvia: Bankonte; Vizia Arrow ExpressCredit Group
- Georgia: Lendo Arrow Finko Group
- Zambia, Botswana, Malawi: ExpressCredit Arrow YesCash Group


Also found that Una Hewitt already mentioned before by me in 03.11.2019, the COO of Peachy, have left Peachy (Cash On Go Ltd), during that month:

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.



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


https://www.p2p-kredite.com/diskussion/posting,mode,quote,p,128348.html


On the Financial Statements of ExpressCredit (Botswana) and ExpressCredit Zambia (Zambia), Una Hewitt is mentioned as one of the Directors:

Pyro439 hat Folgendes geschrieben:
Hi Rick,

I am still not sure about the connection between ExpressCredit (Africa) and ExpressCredit (Europe). Even EC Finance is a subsidiary of SIA ExpressCredit (Europe).
But I found another link from ExpressCredit to Finitera.
Check out page 35 at the balance sheet of ExpressCredit Botswana:
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/8F87750E-F73C-580F-FC3B-BECF750B655A.pdf



Expresscredit (Zambia) - Financial Statements: https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/3C709CD8-A54A-688A-C98D-45DBAC8EB84A.pdf


In the Expresscredit (Zambia) - Financial Statements, page 4, mentions the nationality of the Directors, of the 3 Directors, 2 are Latvian:
Una Hewitt - Latvian
Girts Suberts - Latvian


So who is Una Hewitt?
Is a Latvian citizen living in the UK but she is a Board Director in several African LO, is the CEO of the Holding Group with headquarters in Latvia, and was until last month, COO of a British LO:

- CEO - Orange Sky Finance (Mar 2018 – Present) Arrow Holding group of African LO (legal name: Puzzle Finance AS)

- COO - Cash On Go Ltd (Dec 2018 – Nov 2019) Arrow Peachy => is a subsidiary of Smart Finance Holding AS

- Director - ExpressCredit (Proprietary) Limited Arrow ExpressCredit (Botswana)

- Director - YesCash Zambia Limited Arrow ExpressCredit (Zambia)



So we see connections between Peachy (legal name: Cash On Go Ltd, a subsidiary of Smart Finance Holding AS) and Orange Sky Finance Group (legal name: Puzzle Finance AS) that owns the ExpressCredit Africa LO.


Also in some LinkedIn profiles, we can see people working in various other groups. There are people working at the same time in the Finko Group and in the Puzzle Finance AS (a.k.a. Orange Sky Finance Group). So there is a connection between the ExpressCredit Africa LO and Finko Group LO. Remember that are unknown open markets in the Finko Group (9 LO mentioned in their website).

Also thanks to @Pyro439, we can see that ExpressCredit Botswana had loans from related parties (page 35):

- Yescash Group Arrow confirmed owner of ExpressCredit Zambia
- Finitera Arrow Finitera Group thats owns Kredo, Monego, Tigo and Moneda (not present in Mintos).


Pyro439 hat Folgendes geschrieben:
Hi Rick,

I am still not sure about the connection between ExpressCredit (Africa) and ExpressCredit (Europe). Even EC Finance is a subsidiary of SIA ExpressCredit (Europe).
But I found another link from ExpressCredit to Finitera.
Check out page 35 at the balance sheet of ExpressCredit Botswana:
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/8F87750E-F73C-580F-FC3B-BECF750B655A.pdf



Thanks to @carnold website post, we see that are connections between several LO Holding Groups:

carnold hat Folgendes geschrieben:
https://178.16.28.157/hub/2/2/ suggests that Finitera consists of two more companies not on Mintos*, namely Moneda.ba and mindi.ro.

Further, Finko lists the following companies: https://178.16.28.157/hub/1/: Varks, sebo, Dinero and Metrokredit.

In Hubs, there is also Orange Sky Finance, but it lists only the African ExpressCredit entities.

Not sure what this site is, any thoughts? I find the additional Finitera companies interesting as well as the Finko list...



Finally, the "conclusion", there are proven connections between LO and their Holding Groups:

Sun Finance Group (headquarters: Riga, Latvia)
- Latvia: Bino
- Poland: Kuki
- Denmark: Simbo
- Czech Republic: Nuko Arrow Not in Mintos
- Kazakhstan: Tengo
- Mexico: Dineria
- Kyrgyzstan: Arrow New Country

Finko Group (headquarters: Riga, Latvia)
- Armenia: Varks
- Georgia: Lendo
- Moldova: Sebo
- Ukraine: Dinero
- Russia: Metrokredit

Finitera Group (headquarters: Riga, Latvia)
- North Macedonia: Tigo
- Bosnia: Moneda
- Kosovo: Monego Arrow Not in Mintos
- Albania: Kredo
- Romania: Mindi Arrow Not in Mintos

Orange Sky Finance Group (legal name: Puzzle Finance AS) (headquarters: Riga, Latvia)
- Zimbabwe: ExpressCredit Arrow Not in Mintos
- Malawi: ExpressCredit Arrow Not in Mintos
- Namibia: ExpressCredit
- Botswana: ExpressCredit
- Zambia: ExpressCredit

"Unknown Holding Group"
- United Kingdom: Peachy (legal name: Cash On Go Ltd, a subsidiary of Smart Finance Holding AS)

ExpressCredit Group (headquarters: Riga, Latvia)
- Latvia: Banknote
- Latvia: Vizia


Puzzle Finance AS (a.k.a. Orange Sky Finance Group) seems an important piece, because there is connections with several LO in different Holding Groups:
- Peachy Arrow "Unknown Group"
- Metrokredit Arrow Finko Group
- ExpressCredit (Botswana) Arrow YesCash Group
- ExpressCredit (Zambia) Arrow YesCash Group
- ExpressCredit (Namibia) Arrow YesCash Group

https://tinyurl.com/tg4lbcp


PS: Also the LO and the Holding Groups have the same shareholders.
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Zuletzt bearbeitet von Rick Lusitano am 17.12.2019, 23:48, insgesamt 3-mal bearbeitet
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Rick Lusitano



Anmeldedatum: 19.03.2019
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BeitragVerfasst am: 17.12.2019, 22:36    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

carnold hat Folgendes geschrieben:
Do you feel that the recent reorganizations made them more or less independent?


The owners of the several LO, Holding Groups and Mintos* are the same. Do you think that they are independent? Wink

These reorganizations are only "visual", all stays the same. They are only reorganizations in the structure of the Holding companies. It's a huge family, with the 4 founding fathers. Or as sometimes I mention in other places, they all belongs to the "Mintos tribe". Cool
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carnold



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BeitragVerfasst am: 20.12.2019, 23:41    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Interesting names, maybe worth to study more or at least take note:

Zitat:
Iutecredit Europe had a turnover of EUR 22.6 million in 2018 and a profit of approximately EUR 7.3 million. The company is owned almost 90% by OÜ Alarmo Kapital. One half belongs to Allar Niinepuu and the other half belongs to Tarmo and Kristi Silla.


But Iute is independent and not connected to any other LO on Mintos* or otherwise, or are they?

Source: https://m.arileht.delfi.ee/article.php?id=88446967&fbclid=IwAR2Z_hJTLmq0gdAvuIKpFAgocL92V0_zLSWryNMj4IxqeuB4eh143SjXgXE
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carnold



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BeitragVerfasst am: 25.12.2019, 23:52    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

EcoFinance belongs to the Dyninno Group (which also Mintos* mentioned in their news):

https://dyninnofintech.com/#projects and https://www.linkedin.com/company/dyninno-fintech/?originalSubdomain=de

They list the following 3 entities:

- EcoFinance
- CreditPrime (not on Mintos*, Moldova and Romania)
- DynaPay (not on Mintos)
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carnold



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BeitragVerfasst am: 26.12.2019, 00:02    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

LimeZaim belongs to the Lime Credit group, and according to

http://en.limecreditgroup.com/our-businesses.php# and https://www.linkedin.com/company/limecreditgroup/?originalSubdomain=de,

they are currently in 4 markets but 4 more are announced on the website, including Brazil and South Africa, both of which are "soon" on Mintos* according to https://www.mintos.com/en/for-alternative-lending-companies/
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Rick Lusitano



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BeitragVerfasst am: 26.12.2019, 13:45    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Thanks @carnold

carnold hat Folgendes geschrieben:
LimeZaim belongs to the Lime Credit group, and according to

http://en.limecreditgroup.com/our-businesses.php# and https://www.linkedin.com/company/limecreditgroup/?originalSubdomain=de,

they are currently in 4 markets but 4 more are announced on the website, including Brazil and South Africa, both of which are "soon" on Mintos* according to https://www.mintos.com/en/for-alternative-lending-companies/


Lime Credit Group is also in Bondster. But with more countries than Mintos: Poland, South Africa, Mexico, Russia.

Lime Credit Group presentation - http://www.bondster.com/en/ke-stazeni/stahnout/987/lime-group-presentation.pdf
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Pyro439



Anmeldedatum: 08.03.2019
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BeitragVerfasst am: 26.12.2019, 14:16    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Rick Lusitano hat Folgendes geschrieben:
Thanks @carnold

carnold hat Folgendes geschrieben:
LimeZaim belongs to the Lime Credit group, and according to

http://en.limecreditgroup.com/our-businesses.php# and https://www.linkedin.com/company/limecreditgroup/?originalSubdomain=de,

they are currently in 4 markets but 4 more are announced on the website, including Brazil and South Africa, both of which are "soon" on Mintos* according to https://www.mintos.com/en/for-alternative-lending-companies/


Lime Credit Group is also in Bondster. But with more countries than Mintos: Poland, South Africa, Mexico, Russia.

Lime Credit Group presentation - http://www.bondster.com/en/ke-stazeni/stahnout/987/lime-group-presentation.pdf


And also on Grupeer.
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Rick Lusitano



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BeitragVerfasst am: 26.12.2019, 14:24    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Pyro439 hat Folgendes geschrieben:
Rick Lusitano hat Folgendes geschrieben:
Thanks @carnold

carnold hat Folgendes geschrieben:
LimeZaim belongs to the Lime Credit group, and according to

http://en.limecreditgroup.com/our-businesses.php# and https://www.linkedin.com/company/limecreditgroup/?originalSubdomain=de,

they are currently in 4 markets but 4 more are announced on the website, including Brazil and South Africa, both of which are "soon" on Mintos* according to https://www.mintos.com/en/for-alternative-lending-companies/


Lime Credit Group is also in Bondster. But with more countries than Mintos: Poland, South Africa, Mexico, Russia.

Lime Credit Group presentation - http://www.bondster.com/en/ke-stazeni/stahnout/987/lime-group-presentation.pdf


And also on Grupeer.


Yep. Lime Loans South Africa. Loan Structure is indirect (at Mintos* is also indirect), the loans are originated by Finsputnik Platforma SIA to Lime Loans South Africa.
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carnold



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BeitragVerfasst am: 26.12.2019, 21:03    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Potentially another link between Finitera and Finko:

See the post in the Metrokredit post, this is the relevant piece:

Zitat:
Looking at Kiva, it was owned by a company that owned positions in a ton of Microfinance companies called Finitera (their Tree Graph is huge - https://www.list-org.com/company/8008393/graph). Sound familiar? It should. It's the company that bought Monego and is providing the buyback guarantee for all their loans. Kiva is now owned by EAG Finance.

Now, I have not been able to find who owns it, but the space where this EAG Finance is currently situated has a lot of familiar faces - https://www.lursoft.lv/…/riga-skanstes-iela-52-l…/companies…. Just from the names, you see Finitera (the org that owned Kiva), Finko, Mogo, Sun Finance, Zenka. All of this on the same building - Skanstes iela 52. And adjacent to it, you have Skanstes iela 50, the building where Mintos' office is located.
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carnold



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BeitragVerfasst am: 20.02.2020, 13:40    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Hey Rick, long time no new stuff Smile. Any idea what the secret connection of Zenka is with Mintos?

"Some of the equity investors in the loan originator and Mintos* overlap."
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BeitragVerfasst am: 24.02.2020, 22:58    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

I know that there is a topic already about this, but to concentrate all the information in the same place, I post here the more relevant information from the excellent interview from Kristaps Mors of Martins Sulte, CEO of Mintos:



Kristaps Mors hat Folgendes geschrieben:
1. Who came up with the idea about Mintos? How was it financed in the beginning?

After I finished my INSEAD MBA, initially I wanted to create a venture capital fund, but at that point there were not that many startups to invest in. Idea about Mintos* came after reading about Landbay on TechCrunch and it seemed that this angle - loans backed by real estate makes sense and we could replicate it in Europe. It was financed by 4 guys, who I knew from studying together in SSE Riga. They had already sold their first company and were looking for projects to invest in. Mintos* investors (now mentioned in About Us page as well):

Maris Keiss (co-founder of 4finance and Mogo)

Aigars Kesenfelds (co-founder of 4finance and Mogo, investor in Artsy and Madara Cosmetics)

Kristaps Ozols (co-founder of 4finance and Mogo)

Alberts Pole (co-founder of 4finance and Mogo)

2. Can you comment on the structure of Mintos* legal entities?

The main entity is AS Mintos* Holdings, all other legal entities are daughter companies. There are companies that hold technical IP, or are used for financing, and we have several local companies to employ people - in Poland, German and Mexico.

3. Who owns Mintos? And how has it changed over the years?

It is owned by already mentioned 4 investors, me and other co-founder Martins Valters, and also our employees - who own stock options. Mintos* has raised a total of € 7 million - € 2 million seed funding in 2016 and € 5 million Series A funding in 2018, all by the same investors. We don't plan to publish our cap table, but to clear up one misconception - yes, Aigars Kesenfelds shows up as a beneficial owner of Mintos* and that means he owns more than 25% of Mintos*, but it is not like many believe - that he owns 100% of Mintos*, he owns much less than 50% of Mintos.

4. Can you comment about AS Hipocredit? You and Martins Valters are listed as Members of the Council there, and previously it was named "AS Mintos"? Are you or Martins Valters involved in any other Loan originators as well?

In the beginning the idea behind Mintos* was to fund real estate loans as a typical P2P lender, but later we pivoted to the idea about creating a marketplace to connect investors with Loan Originators, and also changed all the structure. Since we were involved in Hipocredit in the beginning and helped to set it up, we sold most of our shares, but we still own a very small share of this company and we are passive shareholders. We are not involved in any other Loan Originator on Mintos.

5. Aigars Kesenfelds is connected to at least 13 Loan Originators on Mintos: Mogo, Hipocredit, Lendo, Banknote, Finko, SunFinance, ExpressCredit, Peachy, Tigo, Monego, Kredo, Zenka, Vizia. And recently in Estonian news there was an article claiming: “The platform has provided loans of more than EUR 4.5 billion, but investors are unaware that nearly half of the money that goes there goes to Aigars Kesenfelds, the owner of Mintos”. Any comment?

Even if there is some shareholder overlap in these Loan Originators, investors should focus on loans and their performance - what is the underlying loan they buy? Loans in different countries have very different situation, and only if the performance of loans is bad, then the question about BuyBack Guarantee and shareholders might come into question.

(...)

7. In explorep2p review of Mintos* there is an interesting question: Can Finitera afford to buyback €8 million of Monego's bad loans? Any insight, why there are delays in making these buybacks?

Finitera is a bigger group, Monego is part of it. It was an unexpected situation. But Finitera understands that if they won't stand behind a local problem in one country, funding loans in other countries might become an issue. It is a cash flow problem and money needs to be collected from borrowers and administrator, but our understanding and expectation at this point - that the promise will be kept and investors will be paid back.

8. Last question about Aigars Kesenfelds – in Latvia he is shareholder of about 100 companies, so he must be quite busy managing all of these investments. But for Mintos* investors it could be more assuring if they would get an opportunity to learn more about him or meet him. Can we expect some interviews or appearances in events, for example in P2P conference in Riga?

He is not actively involved in daily operations, so you should look at him and other investors as a angel/seed investors that provide capital, but at later time we might attract funding from a different source, and we don’t expect that, for example, Index Ventures would appear in P2P events or elsewhere talking about us in case if they would become our investor. And probably Aigars should answer this by himself, but in my view this is not something we expect from him.



Source: Kristaps Mors - Who owns Mintos? Interview with Martins Sulte [Podcast + Video]
https://kristapsmors.substack.com/p/who-owns-mintos-interview-with-martins[/i]
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BeitragVerfasst am: 25.02.2020, 00:06    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

In the above interview, Martins confirmed that Monego is a part of the Finitera Group, and with that it goes against what was said in the Mintos' blog post of 30.12.2019.

Kristaps Mors hat Folgendes geschrieben:
(...) Can Finitera afford to buyback €8 million of Monego's bad loans? Any insight, why there are delays in making these buybacks?

Finitera is a bigger group, Monego is part of it.


Mintos hat Folgendes geschrieben:
Finitera, an international fintech group operating in four markets with 122 branches employing 718 employees and with a share capital of 8 million EUR, was in the final stage of changing Monego shareholding structure and adding it under Finitera direct ownership. Although the work on reorganization was not finalized and as such Monego is not part of Finitera, Finitera has decided to grant a guarantee for certain obligations that Monego holds towards investors on Mintos.



Who believed that an independent group will do charity, paying 9+ million EUR (December/2019) of a company that doesn't owns?

Mintos hat Folgendes geschrieben:
In the unlikely case when Monego would not make the contractual payments to investors and, as a result – all loans would become late, Finitera as a guarantor will cover scheduled borrower payments to investors having investments in Monego loans once these payments are delayed for 60 days.


https://blog.mintos.com/monego-no-longer-issues-new-loans-finitera-group-to-cover-investors-repayments/
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Zuletzt bearbeitet von Rick Lusitano am 25.02.2020, 00:53, insgesamt einmal bearbeitet
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BeitragVerfasst am: 25.02.2020, 00:52    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Besides reading the text of Martins' interview, I watched the video to see the body language of Martins and his tone of voice. Because texts don't always capture certain things.

From watching the video, the impression I got, is that Martins don't seems to be comfortable talking about the Mintos' shareholders. Do you sense the same?

Did you also saw that Martins don't contradict the LO mentioned by Kors that have connection to the same shareholders of Mintos*, in question 5?

Kristaps Kors hat Folgendes geschrieben:
Aigars Kesenfelds is connected to at least 13 Loan Originators on Mintos: Mogo, Hipocredit, Lendo, Banknote, Finko, SunFinance, ExpressCredit, Peachy, Tigo, Monego, Kredo, Zenka, Vizia.



I went to the Mintos* "About us" page mentioned the Kors article, I saw that Mintos* had there a familiar phrase:

Mintos hat Folgendes geschrieben:
Grumpy Investments (previously known as Skillion Ventures)


https://www.mintos.com/en/about-us/about-us/

If you copy this phrase, go to the first post from this thread, and select the Find option of your browser, pasting this phrase, you will see a crazy coincidence: Wink

https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036.html


You can confirm that my first post in this thread was last edited by me on 17.12.2019, 21:19. Before the new information on the Mintos' "About us" page.



There are lots of coincidences lately. After revealing the connections to the various groups, Sun Finance, Finko, Finitera, etc, Mintos* started to recognize officially the LO's Groups connections.


To Mintos:
- Mintos* did you forget to recognize the Orange Sky Finance Group (Puzzle Finance AS) and his LO?

- And that Peachy is also a related party to Mintos?

- And with what Martins said in the interview, Hipocredit should have the usual remark in their page:

Zitat:
Some of the equity investors in the loan originator and Mintos* overlap.



As I'm already talking to you in here, for the sake of transparency, perhaps you could show us, all the connections between the groups of your shareholders?

For example what are the connections between, ExpressCredit Group (with the Latvian LO and African LO), the YesCash Group; the Orange Sky Finance Group; the Zenka Group; the Finitera Group; the Finko Group; the Sun Finance Group; the Mogo Finance Group; etc. Besides that some of these LO and Holding Groups shares the same shareholders, the same address and installations, the same IT people and people in other kind of functions.
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BeitragVerfasst am: 25.02.2020, 01:15    Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn Antworten mit Zitat

Also a interessting thing:
This is the first video I have seen where somebody has asked really good questions to Martins.

Much better than just the happy hippo quirling youtuber questions who just want to get some refs and don't talk critically about Mintos.

And this video already got 273 downvotes vs 7 upvotes. The only comment: "I was hacked. I didn't watch that."

Someone must have a big interest to keep the range of the interview very small. Who might that be? Twisted Evil
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