TWINO started in 2015 with a simple idea- to make investing more accessible. At the time, investing in loans was mostly limited to institutions or a small group of experienced investors. 

We set out to change that. 

Today, TWINO is a regulated investment platform where investors have funded more than €1 billion in loans. 
But while the platform has grown, the idea behind it hasn’t changed- investing should be accessible, and it should make sense. 

Because access alone is not enough. 

We believe that knowledge compounds over time- helping people feel more confident in their decisions and more comfortable asking questions.

Over the years, we’ve seen how often people feel unsure when it comes to finances and investing,  not because they lack interest, but because clear, practical knowledge isn’t always easy to access. 

That’s something we care about. 

For us, it’s not just about investing- it’s about encouraging understanding, curiosity, and continuous learning from an early stage. 

Whether it’s financial literacy, personal development, or interest in technology, we believe these foundations help people make better decisions and move forward with confidence.

We focus on areas where we believe our contribution can be meaningful. 

• Education 

  For many, practical knowledge comes too late- or not at all. We believe that learning should feel accessible, relevant, and not intimidating. 

  Because the more people understand-  whether it’s money, technology, or the world around them- the more confident and independent they become in their decisions. 

  That’s why we support initiatives that make knowledge easier to access, clearer to navigate, and more applicable in real life. 

• Youth development 
  Have you ever thought, “I wish I had known this earlier”? 

  That’s exactly why we focus on supporting young people, the ones who are already shaping what the future will look like. 

  The ideas they explore, the decisions they make, and the paths they choose today will be defined tomorrow. By supporting youth, we’re investing in a future that is more thoughtful, capable, and forward-looking. 

• Innovation and future thinking 
  We’re always looking for ways to do things better, whether that’s improving our platform or how we work behind the scenes. For us, innovation is not just about trends, it’s about staying curious, trying new things, and not being afraid to evolve. 

  That’s why we believe in supporting progress. Technology, especially AI, is shaping how the world moves forward, and we want to be part of that journey by supporting ideas that look ahead. 

Some of the initiatives we support reflect these focus areas, including the AI/MI Association, Startin School, and the Stockholm School of Economics in Riga Alumni Association, among others. While we support a range of initiatives, we focus on those where we can be meaningfully involved and create real impact. 

Just like investing, we believe meaningful impact comes from consistency- not one-off actions. We work with partners we trust, support initiatives we genuinely believe in, and stay transparent about what we do. If we choose to support something, it’s because it aligns with how we think - not because it looks good. It’s part of how we operate and how we grow as a company. 

Thank you to our investors and partners who are part of this journey — together, we’re building something that goes beyond returns.