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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

Statistics

Statistics: June

Please find June 2026 performance highlights and platform developments below.

06 Jul 2026

Expert Insights

Where to park idle cash in Europe short term options and how they compare

Kristiāns Purviņš, head of the TWINO investment platform, explains where to park your idle cash so it can generate returns while remaining readily accessible whenever you need it

03 Jul 2026

Expert Insights

How to Invest €5,000–€10,000 for Steady Returns

Kristiāns Purviņš, head of the TWINO investment platform, recommends ways to invest 5,000 euros or more while maintaining a balance between potential returns, liquidity, and risk

29 Jun 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

Invant APPs

TWINO FLEXI Review 2026: How It Works, Risks Assessment & Comparison

03.07.2026

Frequently asked questions

Everything you need to know about investing with TWINO.

Still looking for an answer?

See if we have already answered your question in our FAQ page.

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