A flexible investment with 6% annual return and instant liquidity
Put your idle cash to work and earn a fixed 6% annual return with daily interest. TWINO Flexi is a flexible, asset-backed investment that lets you withdraw your money anytime — a regulated alternative to a low-yield savings account in Europe.
What is FLEXI?
TWINO Flexi is a flexible investment account that lets you earn a fixed 6% annual return while keeping your money fully accessible. Unlike a fixed-term deposit, there is no lock-in period — you can withdraw part or all of your funds anytime.
Your investment is placed in 12-month asset-backed securities (ABS) linked to a portfolio of consumer loans, structured to provide liquidity without relying on a secondary market. This makes Flexi a practical short-term investment for European investors looking to put idle cash to work.
Why choose FLEXI?
TWINO Flexi is designed for European investors who want a high-yield alternative to a traditional savings account, with the freedom to access their money whenever needed:
Earn a predictable, fixed 6% annual return — well above typical euro savings rates
Keep your funds accessible with instant liquidity and no fixed term
Park idle cash in a flexible short-term investment instead of a low-yield bank account
Start with as little as €10 and scale up
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: from deposit to daily interest
Put your money to work in minutes
Top up funds to your TWINO Flexi wallet — start from just €10.
Funds are automatically invested in asset-backed securities (ABS).
Your investment earns a fixed 6% annual return, with daily interest accrual.
Withdraw part or all of your funds anytime — no fixed term, no penalties.
Fully automated.
No secondary market.
Full FLEXibility.
A regulated, licensed investment platform you can trust
TWINO Flexi is built on our proven, regulated investment infrastructure. AS TWINO Investments is a licensed investment brokerage firm supervised by the Bank of Latvia and operating under MiFID II — giving you institutional-grade investor protection rarely seen on alternative investment platforms in Europe. Flexi is backed by loans originated by Netcredit, an established lending company in Poland.
Loans originated by Netcredit (Poland)
Regulated European investment platform
Transparent structure and reporting
Key benefits of Flexi as a flexible investment
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
Where your money earns more than a European savings account
Keeping money in a bank account often generates little or no return. FLEXI helps your money work harder by offering a fixed 6% annual return while keeping your funds accessible when needed.
*Typical interest rates on savings or current accounts offered by European banks.
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.
See how FLEXI looks in action
Introduction to the product and key information.
Frequently asked questions
Everything you need to know about investing with TWINO.