At TWINO, we continuously work to improve our platform based on what matters most to our investors. One of the most common needs we hear is clear: 
investors want their money to work - but they also want flexibility. 

Over the years, we have built a strong and active Secondary Market, allowing investors to exit their investments before maturity. While the Secondary Market provides flexibility, we wanted to go even further in improving how investors can access their funds. 

That is why we are introducing FLEXI -  a new investment solution designed to combine stable returns with improved access to your funds. 

FLEXI is an investment in regulated asset-backed securities (ABS) that offers: 

• Fixed return of 6% per year  

• Automatic investing  

• The ability to request withdrawals at any time  

• A separate wallet to manage FLEXI investments independently from your fixed-term portfolio 

FLEXI is not just a new product- it is a response to how our investors actually manage their money. 

Investors use TWINO for fixed term investments, but also keep part of their funds available for shorter- term needs or opportunities. FLEXI is designed to fit exactly this role. 

“We have listened closely to our investors and how they use our platform — what they value is simplicity, flexibility, and the ability to keep their money working while still having access to it. 
FLEXI is our answer — a product that combines returns with flexibility, while maintaining a regulated investment structure.” 
Nauris Bloks, TWINO CEO 

FLEXI is designed to be simple: 

1. You add funds to your FLEXI wallet  

2. Funds are automatically invested into available ABS  

3. Your investment starts earning returns  

4. When needed, you can request a withdrawal  

There is no need to manually select or manage individual investments- everything is handled automatically. 

FLEXI uses a multi-layered liquidity model to support withdrawal requests: 

1. Investor demand 

   In most cases, withdrawals are covered by other investors who are waiting to invest in FLEXI. 

2. Internal liquidity collateral 

   If there is no immediate investor demand, TWINO may temporarily purchase investments using a liquidity buffer provided by the Loan Originator. 

3. Early repayment (ISIN closure) 

   In more limited situations, when demand exceeds available liquidity, early repayment of underlying investments may be initiated to fulfil withdrawal requests. 

This structure is designed to provide a smoother experience compared to traditional secondary markets, while still depending on available liquidity.