{"id":15872,"date":"2020-11-17T06:00:00","date_gmt":"2020-11-17T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/twino-erfahrungen-2023-360-grad-analyse-und-bewertung\/"},"modified":"2026-09-28T17:56:44","modified_gmt":"2026-09-28T15:56:44","slug":"twino-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/twino-review\/","title":{"rendered":"TWINO Review 2026"},"content":{"rendered":"

Last Update: 29 September 2026<\/span><\/span><\/p>\r\n

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\n Key Takeaways\n <\/div>\n
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\n \u2022<\/span>\n TWINO is a Latvian P2P platform that launched operations in August 2015. Investors can invest in Polish consumer loans and earn a return of up to 12%.<\/span>\n <\/div>\n
\n \u2022<\/span>\n The platform belongs to the Latvian company FINNO AS (formerly SIA TWINO), a fintech company that was established in 2009.<\/span>\n <\/div>\n
\n \u2022<\/span>\n The P2P platform is operated by AS TWINO Investments, which has been regulated by the Latvian financial supervisory authority under MiFID II since September 2021.<\/span>\n <\/div>\r\n\n
\n \u2022<\/span>\n In the past, Twino has revealed weaknesses in its risk management. While the defaulted loans from the Philippines and the war-affected Russian loans were fully recovered, outstanding investor funds from Vietnam remain in debt collection.<\/span>\n <\/div>\r\n\n
\n \u2022<\/span>\n In April 2026, FLEXI was introduced as a new investment product offering a fixed return of 6% p.a. and daily liquidity. It is the first liquidity-focused product launched within a regulated framework.<\/span>\n <\/div><\/div>\n <\/div>\n <\/div>\r\n\n