Instant liquidity with a 6% annual return.
Turn money sitting on the sidelines into a steady 6% annual return - through TWINO’s regulated asset-backed investment structure designed for flexibility.
What is FLEXI?
FLEXI is a flexible investment product on TWINO that allows you to earn a fixed 6% annual return while keeping your money available whenever you need it.
Your investment is placed in 12-month asset-backed securities linked to Asset- Backed Securities (loans), structured to allow withdrawals without relying on a secondary market.
Why choose FLEXI?
FLEXI is designed for investors who want to:
• Earn a predictable return;
• Keep your money accessible when needed;
• Park funds in a flexible short-term investment.
FLEXI is different.
Not dependent on secondary market demand
Liquidity supported by investor inflows and Loan Originator collateral
Your money stays invested but accessible
How FLEXI works?
Key Benefits
Instant Access
Withdraw anytime, no fixed investment period
Partial withdrawals supported
Fixed Returns
Fixed 6% annual yield
Daily interest accrual
Simple & Automatic
Fully automated investing
Clear balances and statuses
Automatic reinvesting helps your money keep growing
Low Entry Barrier
Start investing just with 10€
Suitable for both new and experienced investors
How FLEXI is structured
FLEXI investments are issued as 12-month asset-backed securities (ABS) linked to a portfolio of consumer loans originated by Netcredit in Poland.
Loans originated by an established lending company
Asset-backed investment structure
Distributed through TWINO’s regulated platform
Risks to Consider
All investments involve risk. Before investing in FLEXI, make sure you understand how the product works, including how liquidity, processing times, and investment limits may affect your experience.
Read the Prospectus
Liquidity and withdrawal timing
FLEXI is designed to allow withdrawals without relying on secondary market buyers. However, withdrawals depend on available liquidity within the product, including loan repayments, loan originator collateral and new investments.
While withdrawals are typically processed quickly, during periods of increased withdrawal demand (e.g. crisis situations), processing may take longer.
Credit risk
FLEXI investments are backed by a portfolio of consumer loan receivables. If borrowers fail to repay their loans, this may affect the performance of the underlying portfolio and investor returns. Additional protection mechanisms, such as collateral and portfolio diversification, are designed to help manage this risk.
Limits
To help manage concentration risk and maintain product stability, the maximum investment amount in FLEXI is €10,000 per investor. Additional suitability limits may also apply depending on your investor profile and risk tolerance.
Frequently asked questions
Everything you need to know about investing with TWINO.