Portfolio update – June 2025

Summary

I can now consider the monthly income of 1000 EUR as stable — it’s no longer a goal, but a new normality. The next step will be to achieve a monthly profit of 1250 EUR and a portfolio value of 150k EUR.

Due to changes on the Esketit platform, I decided to exit the platform with most of my portfolio in June . I’ve outlined the reasons for this decision below. In June, I deposited a total of over €9,000 , including:

1. Mintos +€4,446 – increase in the most stable position in the portfolio.
2. Income +€3,000
3. Viainvest +€2,000

In addition, in June, I added another platform to my portfolio —also regulated, with relatively high returns. I’m keeping this new platform under a working name for testing to protect beginner investors.

I invite you to a detailed analysis.

Portfolio history (last 12 months)

Portfolio summary

(***) Due to the lack of certainty of the exchange position, the ETF was excluded from the total profit.

Bitfinex Lending*

The position remains unchanged for another month. The positions listed, even if redeemed, are only for a very short period. The annual interest rate remains unsatisfactory, significantly below 10%. The position requires further monitoring.

Graph of all loans sold in the system from the last month:

Mintos (Euro €)*

Mintos* served up some new offerings in June. Mintos is conducting its bond round through its platform . Term: 10 years, with a five-year redemption option. It sounds tempting, but 10 years is an unusually long time for a P2P platform.

Mintos plans to use the money to fund cryptocurrency ETPs, individual shares, real estate expansion, and app modernization, among other things. The first tranche of €500,000 has already been sold.

Personally, I don’t plan to invest in bonds for Mintos funding for several reasons. The duration is far too long for this interest rate. Adding bonds means additional concentration of risk. The question I ask myself is: is it wise to lock up capital for an exceptionally long 10 years in such a dynamic environment? Let’s not forget the pandemic, the war in Ukraine, and the crises in the P2P market that have occurred in shorter periods.

Returning to my portfolio. Despite the introduction of fees, I decided to expand my Mintos portfolio. However, I invested the amount manually. I also added bonds to the portfolio that I had been hesitant about for a long time. I managed to find positions on the secondary market with returns of over 14% from ID Finance.

If, like me, you’re interested in investing in Mintos, I’ve updated and reorganized my Mintos review for May 2025. The changes include a description of my updated strategy, risks, and financial results. If you’re looking to get started with Mintos, I encourage you to read my review: Mintos Review (2025): 13.12% Return after 5 Years

If you want to start your adventure with Mintos platform, please check out my review: Mintos Review (2024): 14.89% return after 3+ years

👉 Signing up using my invitation link, you will receive €50 for investing €1,000+ and a 1% bonus on the amount invested within the first 90 days.

Mintos (RUB ₽)*

As a reminder, since the war in Ukraine, the funds from this investment have been in the process of being paid out . Currently, I have one last company to repay – Kviku. In early June, Mintos announced the signing of an agreement to sell a larger portion of the receivables, with the intention of updating the terms in the event of geopolitical changes.

According to an update on payouts from other ruble-denominated companies, Dozarplati has made further monthly payments as announced. Mintos is targeting a 50-75% return by 2026.

Robocash*

Robocash* remains as stable and predictable as ever. Cash churn remains at an acceptable level of below 5%. It’s a pity the interest rate has dropped below 10%, but that’s the price to pay for the stability the platform offers.

👉 If you don’t know how to start your adventure with Robocash. Feel free to check review and detailed description of my strategy: Robocash Review (2024): 12.65% return after 2 years

Esketit*

Esketit* experienced a major shakeup in June, with AvaFin, the platform’s longtime main lender, withdrawing . Following its acquisition by Capitec Bank a year ago, the company is completely withdrawing from P2P financing. All outstanding P2P loans have been repurchased. New loans will no longer be issued.

Does this mean the end of Esketit? Not necessarily, but the platform certainly loses its main advantage: the stability and guarantees of a large lending group. With AvaFin’s exit, other lenders (Spanda Capital, Mojo Capital) affiliated with Esketit’s owners have published new positions on the platform to meet investor demand.

With AvaFin buying out my positions, I decided to withdraw most of my portfolio from the platform . New positions with an interest rate of 11% are not attractive considering the new companies, lack of audited financial results, and strong ties to Esketit.

However, I’m not abandoning the platform entirely. I’ve stuck with my Jordanian positions and am monitoring further developments. I’m keeping my fingers crossed that it attracts new lenders.

👉 By registering using my invitation link , you will receive a 1% bonus on the amount invested within the first 30 days.

PeerBerry*

In May, I reached the next loyalty bonus threshold, which was €25,000. I don’t plan to make any major changes to this balance at this time. I’m focusing on managing cash outages on the platform in the coming months. Fortunately, they haven’t been significant yet.

Income*

Last month, I resolved my cash outages at Income. The results after a year of experience have been so positive that I’ve decided to increase this position in my portfolio.

👉 By registering using my invitation link , you will receive a 1% bonus on the amount invested within the first 30 days.

Debitum*

In June, Debitum*’s position began to stabilize positively, with no trace of Triple Dragon’s delays, and LFDL’s also experiencing no delays. I have no plans to increase this position at this time.

Viainvest*

Viainvest*, my newest position to the public portfolio. The position is growing steadily, there are no cash outages, and the stability of a large financial group provides a (hopefully not false) sense of stability.

The position is in the process of being expanded, but despite this, the return remains above 11%. Most positions in the portfolio yield 12%, and cash flow is minimal, so he still expects to raise the bar.

ETF

The position is currently in the observation and waiting phase, with no plans for changes in the coming months.

(**) Due to the nature of the stock market, income should be understood as potential until the position is realized.