Twino
Our take
Twino is one of the older players in the market, combining an EU licence as an investment brokerage with a buyback guarantee on defaulted loans. That blend of regulation and a default buffer makes the platform interesting for safety-minded P2P investors.
The flip side: loan supply is limited at times, and the concentration on a few markets and in-house loan brands means counterparty risk. The licence improves oversight and transparency but does not replace deposit insurance.
Strengths
- Regulated with an investment brokerage licence in Latvia
- Buyback guarantee on defaulted loans
- Long history and an established in-house loan book
Weaknesses
- Comparatively small loan supply in some periods
- Concentration on a few markets and own loan brands
- No deposit insurance applies here too
Risk profile: medium
Frequently asked questions
What is the average return at Twino?
Twino offers approximately 10.0% p.a. gross return. Actual net return depends on loan quality and any defaults that occur.
Is Twino regulated?
Yes, Twino holds an investment brokerage licence in Latvia and is therefore subject to EU supervision. This improves oversight and transparency but does not replace deposit insurance.
Does Twino have a secondary market?
No, Twino currently has no secondary market. Early exit from investments is not available.
Who is Twino best suited for?
Twino is best suited for safety-minded P2P investors who prefer a regulated platform with a buyback guarantee and are comfortable with a focused loan supply from a small number of markets.