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The TWINO platform has disrupted the traditional investment services industry by opening this market to the everyday person, all while providing the same level of safety you can expect from the incumbent banks and brokerages. While previously limited to the prosperous few, the peer-to-peer (P2P) lending platform, as well as other services such as online consumer and business loans, is what levels the playing field and increases accessibility to the previously cautious financial industry.

The loans are being sent to TWINO investment platform after the borrower has been identified, scored and the decision to issue the loan has been made. Meaning that you as an investor do not need to evaluate each individual loan, as we have already done this for you and with your peace of mind at the forefront.

All of the loans will have assigned one of the TWINO investor protection mechanisms to protect you in case some of the borrowers do not repay the loan in time.

There are three types of TWINO investor protection mechanisms:

— Buyback guarantee
— Payment guarantee
— Venture

We believe that passive investments are the best and with that in mind, TWINO's Auto-invest tool was created. Its main goal is to invest your funds in multiple individual loans based on criteria that you set up on your investor profile. This makes the diversification process completely hassle-free and you will still be able to see each individual loan where you have invested.

Key information

  • Platform Fee Free
  • Payment Fee Free
  • Interest rate 10%
  • Secondary market Yes
  • Registration number Investment brokerage company license issued by the Financial and Capital Market Commission
  • Languages English, German, Latvian
  • Address Dzirnavu iela 42, Centra rajons, Rīga, LV-1010, Latvia
  • Who can invest? In order to invest on TWINO, an individual investor must be at least 18 years old and a citizen and resident of a European Economic Area country. In addition, investors can choose to invest via a legal entity (only entities registered in Latvia).
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