Recently, I had the pleasure of visiting the Invest conference in Stuttgart, and I must say - the investment culture in Germany is something I truly admire.

The diversity of opportunities was remarkable-from investments in gold mines to mango farms in Thailand, and everything in between. Even more impressive was the audience: both days were full of engaged people across different ages, backgrounds, and interests. It made me reflect that this is what a mature investment culture looks like. I must admit, I feel a bit of envy and at the same time, a strong desire to see a similar level of investment literacy develop in the Baltics. I had a lot of fun there as well, you can catch a glimpse here.

I was proud to represent Latvia alongside seven other regulated Latvian fixed-income platforms. We met investors, content creators, and industry participants, and one topic stood out clearly in many conversations - liquidity.

In today’s investment environment, the ability to access capital when new opportunities arise is increasingly important. That’s why I was especially excited to showcase our newest product, FLEXI, which was still in internal testing at the time. There is something uniquely rewarding about building a product you genuinely want to use yourself and even more so when it directly addresses what investors are asking for.

Today, I am proud to announce that FLEXI is now fully available to all investors. This is more than just a new product. It is, in our view, a meaningful innovation in the European financial market - a liquid asset-backed security, and the first instrument of its kind under the MiFID II framework in the EU. Bringing FLEXI to life required solving complex technological, regulatory, and operational challenges, and I am incredibly proud of what our team has achieved. You can learn more here: FLEXI

For me, FLEXI is also a first real glimpse into TWINO’s future direction. What I particularly like is that we have built it together with our investor community.

Now it’s your turn - try it, use it, and tell us how we can make it even better.

While FLEXI is the highlight this month, it is not the only thing we have been working on. We are currently finalizing a brand-new TWINO mobile app, which we plan to launch within the next 2–3 weeks. If you want to be among the first to test it, stay tuned on our Telegram.

We have successfully finalized the second sale of our Rentals property portfolio. Investors involved will receive detailed information on principal and profit repayments in the coming days. We continue working on the sale of the remaining Rentals portfolio.

The second discounted early repayment offering for Russian claims has now finished. This is an encouraging step toward closing this chapter for TWINO.

In Vietnam, we have submitted the required documentation to the court and are now awaiting the formal initiation of the liquidation process.

There is currently an active discussion among Polish authorities regarding proposed legislative changes, which introduces some uncertainty around the final outcome. While no final version has been published yet, our Poland team is proactively working on diversifying the product offering and ensuring flexibility to adapt once the regulatory direction becomes clear.