How it works

How does Currency Exposure work?

Currency Exposure is a functionality that lets you invest in loans that are pegged to the loan issuing country’s local currency.

Currently, this functionality is available for the loans that come from Russia, meaning that you will be exposed to EUR/RUB or GBP/RUB currency pair fluctuations, depending on the currency registered on your TWINO account.

Here is an example - you invest EUR 100 in a 1-month loan with the Currency Exposure, which is the equivalent of RUB 7,000 (EUR/RUB 1:70):

  1. After a month EUR has appreciated against RUB and the new rate is EUR/RUB 1:75. Therefore, you receive principal of EUR 93.33 + interest for one month.

  2. After a month EUR has depreciated against RUB and the new rate is EUR/RUB 1:65. Therefore, you receive principal of EUR 107.69 + interest for one month.

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