March made me reflect on a seemingly simple yet surprisingly difficult question: Who are you, our investor? It may sound abstract, but the reality is that while I would genuinely like to speak with each of you individually and understand your motivations, concerns, and goals, it is not possible at scale. And yet, building a financial platform without a clear understanding of the person behind the capital is a risk in itself.

So, I stepped back and tried to define what I believe is emerging as the next-generation European investor - not defined by age, but by mindset.

They know that cash alone does not build wealth, but they do not want to become traders or analysts to invest sensibly. They expect digital simplicity - speed, clarity, and ease - without hype or unnecessary complexity. While they may distrust opaque institutions, they still value trust, safety, and strong guardrails. They think in outcomes, not products: protecting capital, generating income, growing wealth, and keeping things simple. They want one trusted platform instead of fragmentation, with guided autonomy - control supported by smart defaults and clear tools. They are open to risk, but only when it is understandable. They are not asking for speculation or more products, but for a better system - professional-grade wealth building without needing to become professionals themselves.

This perspective shapes how we think about product design, user experience, and even regulation. Our ambition is to create a system where moving from idle savings to intelligent wealth building happens within one trusted and regulated environment.

I recently joined Denny from re:think P2P to discuss TWINO’s development over the years. The conversation focused on our progress and journey to date, and the opportunities ahead. Watch it here.

Following strong demand for discounted early repayments on Russian claims, and in cooperation with Finno, we have launched a second limited opportunity for investors to sell their Claim Rights under similar conditions. This also allows those who were unable to participate during the initial window to take part.

In Vietnam, there are no significant updates on proceedings. Our next step is to submit all required documentation to the court to initiate the formal liquidation process.

The Polish consumer protection authority (UoKiK) has not yet released the final provisions regarding the local implementation of the Consumer Credit Directive II. Our team continues to monitor developments closely.

At the same time, Netcredit has been recognized among the top 20 card providers in a leading industry ranking - a strong acknowledgment of the product’s position in the market. Read more about it here.