FLEXI: The Next Alternative to Go & Grow and SmartSaver?

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TWINO has introduced a new investment product called FLEXI, designed to meet the growing demand for more liquidity. Similar to Bondora Go & Grow, FLEXI offers a fixed return of 6% p.a., daily accrued interest, as well as daily access to invested funds.

The investment is based on 12-month asset-backed securities issued by the Polish loan originator Netcredit. One of the financially strongest lenders in an international comparison. FLEXI can be used from a minimum investment amount of EUR 10, while the maximum investment amount is capped at EUR 10,000.

With the launch of FLEXI, TWINO has become the first P2P platform to introduce a daily liquidity product within a regulated framework. However, the core risks remain unchanged. Both liquidity and returns primarily depend on the performance of the loan originator.