Summer is just around the corner, which usually means a slightly slower pace across the business world. But before the holiday season begins, we at TWINO still have several important milestones we want to achieve. One of them became reality last week - the launch of the brand-new TWINO mobile app for both iOS and Android.

Interestingly, in a recent survey on our Telegram community, the majority of investors said they still prefer managing investments through desktop and web. And honestly, we understand why. Serious portfolio decisions, reporting, analysis, and larger investment actions are still often more comfortable on a bigger screen. At the same time, our research clearly shows that modern investing is becoming mobile-first, even if not fully mobile-only. Platforms like Robinhood, Trade Republic, and Coinbase have demonstrated how much everyday investor engagement increasingly happens through apps. We believe the future is not about replacing web with mobile, but about giving investors flexibility to choose how and when they interact with their money. That is exactly how we approached the TWINO mobile app.

What makes me especially proud is how fast and focused our team executed this project. In just two months, we built and launched the first MVP version on both iOS and Android. For us, speed mattered more than perfection. Our mindset was simple: launch core functionality first, observe how investors actually use it, gather feedback, and improve step by step together with our community.

Today, the app already allows you to monitor your overall portfolio, monitor FLEXI and ABS investments, deposit funds and manage your profile. And this is only the beginning. The next planned improvements already include withdrawals, manual investing in primary and secondary markets, as well as multiple UX enhancements based on investor feedback and our own observations. So I would really encourage you to download the app, try it out, and let us know what you think - because we want to build it around your actual needs, not assumptions.

Download for: [IOS] [Android]

What I particularly like is how naturally the mobile app complements FLEXI usage - making short-term and mid-term cash management much faster and more convenient. The initial traction of FLEXI has been extremely encouraging. Already more than 350 investors have used FLEXI as a place to park capital with returns meaningfully above traditional bank offerings. For us, FLEXI and the mobile app are connected parts of a much bigger direction - building modern financial infrastructure that combines simplicity, flexibility, and accessibility.

Although the mobile app has been the main focus recently, we have also continued improving the web platform. In the coming days, we will release an improved cashflow forecast section to help investors better plan future liquidity and cash movements. We are also introducing daily accrued FLEXI interest visibility, so you can follow your earnings growth more transparently day by day, along with several smaller usability improvements.

We are proceeding with principal and interest distributions from the second successfully sold Rentals portfolio, while simultaneously continuing work on additional potential portfolio sales.

The second discounted early repayment campaign for Russian claims has now concluded. Another group of investors used this opportunity to exit the investment earlier. While some outstanding amount still remains, we currently believe that Russian claims could be fully repaid during this year, assuming no new external circumstances arise.

In Vietnam, there are no major new developments at this moment. We continue submitting all necessary supporting documentation to move forward with the liquidation process in local court.

One of the biggest developments this month came from Poland. The authority previously responsible for implementing CCD II regulation has been removed from the process due to concerns around excessive overregulation and implementation quality. This now creates uncertainty regarding who will take over the implementation process.

Although the European Commission deadline remains November 2026, it increasingly appears likely that Poland may request an extension for implementation. We are monitoring developments closely and continue preparing for multiple scenarios to ensure flexibility and continuity for our Polish operations.