FLEXI limit raised to €100,000

FLEXI is TWINO's flexible investment for money you want working, but not locked away. You earn a fixed 6% annual return, interest accrues daily, and you can withdraw part or all of your funds at any time. No fixed term, no withdrawal penalties.

Behind the scenes, your funds are automatically invested in asset-backed securities (ABS) linked to a portfolio of consumer loans originated by Netcredit in Poland. Withdrawals do not depend on finding a buyer on a secondary market. Instead, liquidity comes from investor inflows, loan repayments and loan originator collateral.

You can start from €10, and everything runs automatically once your FLEXI wallet is topped up.

When FLEXI launched in April 2026, the €10,000 cap was a deliberate choice. A new product deserves a careful start: we wanted to see how investors would actually use FLEXI, how deposits and withdrawals would flow day to day, and how our liquidity setup would respond in real conditions.

Six months later, we have our answer. FLEXI has passed €2 million invested by 2,200 investors, and it is being used exactly as intended. Some investors keep funds in FLEXI for months, others move money in and out within a week.

At the same time, one piece of feedback kept coming up.

Raising the limit tenfold is not a leap of faith. It’s based on six months of data analysis on how money moves through FLEXI.

FLEXI doesn’t depend on a secondary market. Withdrawals are covered in three layers: first by new money from investors entering FLEXI, then by a collateral buffer, and as a final step, by early repayment from the loan originator. The liquidity setup grows together with the limit, and so does the inflow of new investments behind it.

"From day one, we built FLEXI so it could grow, and increasing the investment limit is one of the capabilities we planned for. Since launch we have been analysing the data every single day, so we have a clear picture of how investors use FLEXI: when they invest, when they withdraw, and how the liquidity mechanics perform. That is what gives us the confidence to raise the limit.

The liquidity setup grows together with the limit. Collateral is scaled up, and the same ISIN closure structure with early repayments stays in place. Our safeguards have not changed either: suitability and appropriateness limits still apply across all Auto-Invest products. We will keep listening to investor feedback and developing FLEXI further."

Kristiāns Purviņš, Head of Platform at TWINO

As with any investment, there is risk. Before investing please do your due diligence and take a look at FLEXI risk section and FLEXI Prospectus.

More room in FLEXI means more of your available balance can earn a fixed 6% a year instead of sitting idle, while staying within reach. A few ways investors use it:

• A home for idle cash. Money waiting for its next purpose keeps earning daily interest.

• A buffer next to your ABS portfolio. Pair 12-month securities with a liquid FLEXI balance you can access any time.

• A landing spot for repayments. With Automatic Repayments to FLEXI, principal and interest from your ABS investments can move straight into FLEXI.

The new 100,000€ limit is the maximum for FLEXI. Your own Auto-Invest limit still depends on your Suitability & Appropriateness Assessment, which looks at your investment knowledge, experience and financial situation. If any of these have changed since you last took it, you can update your assessment anytime in your account.

Seeing FLEXI grow this quickly has been one of the highlights of our year, and raising the limit is a direct result of what you told us. It will not be the last change. We keep listening, keep learning from how you invest, and keep working to make TWINO and FLEXI better.