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Our products

Fixed income, flexible terms.
Choose what works for you.

Every investor is different- some need instant access, others want maximum yield. TWINO offers two regulated, asset-backed products built around that difference. FLEXI prioritizes liquidity, while asset-backed securities (ABS) may offer higher long-term returns.

FLEXI

Fixed 6% return. Withdraw anytime, no lock-in.

Fixed annual return 6%Regulated MIFID II (Latvijas Banka)Lock in period -Liquidity InstantLoan Originator NetcreditFees 0

ABS

Fixed returns up to 12%, backed by consumer loans.

Fixed annual return 8.5%-12%Regulated MIFID II (Latvijas Banka)Lock in period 3-12 monthsLiquidity Secondary marketLoan Originator NetcreditFees 0

Your security, our priority.

Every layer of TWINO is designed to protect your investment- regulated, audited, and fully transparent.

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Licensed and regulated

Supervised by Latvijas Banka under MiFID II - one of Europe's most strongest investment frameworks.

Investor protection mechanism

As a MiFID II-regulated firm, TWINO clients are covered by the EU Investor Compensation Scheme- protecting eligible retail investors up to €20 000 in the event of TWINO's insolvency or operational failure.

Asset-backed investments

Every investment is backed by real consumer loan assets and cash flow- not promises. Your return is tied to a defined, audited collateral pool.

Annual audits

TWINO and its loan originators are audited annually by an independent auditor- full transparency, every year.

What if you start today and stay consistent?

It’s not about finding the perfect moment, but about investing consistently. Adjust the values below to see how regular investing over time may affect your results.

Initial investment

€ 2000

Your monthly investment

€ 50

Start investing now

*The forecast graph is for illustrative purposes only. It shows how an investment could grow over time based on an assumed 12% annual compound interest rate. Taxes, fees, and other costs are not included in the calculation. Actual returns may differ from the forecast shown.

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Latest news

CEO news

CEO News: September 2026

What does it really take to make a considered investment decision? This reflection explores why clear information, education and context matter just as much as access.

28 Sep 2026

Expert Insights

How to Divide Your Salary So That Money Is Left for Savings Every Month?

Kristiāns Purviņš, head of the TWINO investment platform, introduces a simple, practical budgeting system that will let you build up savings regularly and make smart use of spare funds, including considering regular investing.

17 Sep 2026

Expert Insights

How Safe Is Investing on Investment Platforms?

Kristiāns Purviņš, head of the TWINO investment platform, explains how to assess the safety of an investment platform, distinguishing between the reliability of the platform itself, the risks of the specific investment, and what happens to an investor's funds if the platform ceases to operate.

07 Sep 2026

Our Products

First regulated liquid product of its kind.

Reviews and opinions online

Lars Wrobbel, Passives einkommen mit p2p

TWINO FLEXI review: 6% return with high liquidity?

23.05.2026

FinanzLennard

TWINO FLEXI: Liquid, stable & regulated!? 💸 | Twino P2P Review | Is Twino worth it? 🤔

13.06.2026

NorthernFinance

TWINO FLEXI vs. Bondora Go & Grow: Which product is right for you?

09.09.2026

Frequently asked questions

Everything you need to know about investing with TWINO.

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