How it works
How it works
TWINO investment and trading platform is the place where you as an investor get the opportunity to fund loans (consumer, business, real estate) and to earn interest income for doing so.
But... how does peer-to-peer (P2P) lending work?
It all starts with a person who is looking for a loan (borrower), while TWINO loan originators are always here to help.
Each borrower that applies for a loan to our loan originators is going through an in-depth credit risk scoring procedure to receive the loan. Only the loans that have gone through this credit scoring procedure are being sent to TWINO investment platform.
TWINO earns revenue at the lending side by charging interest and commissions for the lent capital. Part of this income is paid to you in a form of interest income for your invested capital, while the other part stays in our business to cover costs and earn a profit.
Assessing the credit risk of individual borrowers & issuing loans
Borrowers apply for loans on our loan originators' websites. In a short period of time (minutes not hours) our technology is evaluating the creditworthiness of the specific applicant by taking into account the information provided in the application form, officially available information on existing liabilities, and hundreds of individual data points. If the borrower qualifies for a loan, then we grant the funding.
Loans are sent to TWINO investment platform
The loans are being sent to TWINO investment platform after the borrower has been identified, scored and the decision to issue the loan has been made. Meaning that you as an investor do not need to evaluate each individual loan, as we have already done this for you and with your peace of mind at the forefront.
Loans are available for investments
Now, as the loans have successfully arrived to the investment platform they can be funded by TWINO investors. All of the loans will have assigned one of the TWINO investor protection mechanisms to protect you in case some of the borrowers do not repay the loan in time.
There are three types of TWINO investor protection mechanisms:
Set up your first Auto-invest portfolio
We believe that passive investments are the best and with that in mind, TWINO's Auto-invest tool was created. Its main goal is to invest your funds in multiple individual loans based on criteria that you set up on your investor profile. This makes the diversification process completely hassle-free and you will still be able to see each individual loan where you have invested.
Earn interest income
You will receive the interest income based on which loans you have funded. On average, TWINO investors have earned more than 10% p.a., which is hard to beat with any other kind of investment and even harder to beat with another kind of passive income-generating investment.