{"id":34561,"date":"2026-05-14T06:00:20","date_gmt":"2026-05-14T04:00:20","guid":{"rendered":"https:\/\/rethink-p2p.de\/twino-flexi-review-2026-how-it-works-risks-assessment-comparison\/"},"modified":"2026-09-28T18:00:23","modified_gmt":"2026-09-28T16:00:23","slug":"twino-flexi-avis","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/","title":{"rendered":"TWINO FLEXI Avis 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Derni\u00e8re mise \u00e0 jour : 28 septembre 2026<\/span>\r\n<p>TWINO est actif sur le march\u00e9 du pr\u00eat P2P depuis 2015. Mesur\u00e9 par son volume de pr\u00eats financ\u00e9s (1,2 milliard d\u2019euros), la plateforme fait partie des acteurs majeurs en Europe.<\/p>\r\n<p>Avec TWINO FLEXI, la plateforme P2P lettone a lanc\u00e9 en avril 2026 un nouveau produit qui r\u00e9pond au souhait de nombreux investisseurs d\u2019avoir davantage de liquidit\u00e9. La structure rappelle fortement l\u2019alternative estonienne Bondora Go &amp; Grow, notamment en ce qui concerne la liquidit\u00e9 quotidienne et un taux d\u2019int\u00e9r\u00eat annuel de 6 %.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-33915 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis.png\" alt=\"TWINO-FLEXI-Review\" width=\"1200\" height=\"264\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-300x66.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-1024x225.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-768x169.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/264;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-33915\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis.png\" alt=\"TWINO-FLEXI-Review\" width=\"1200\" height=\"264\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-300x66.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-1024x225.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-TWINO-FLEXI-Review-TWINO-FLEXI-Opiniones-TWINO-FLEXI-Avis-768x169.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>La diff\u00e9rence : contrairement \u00e0 Go &amp; Grow ou Monefit SmartSaver, TWINO FLEXI est le premier produit de ce type \u00e0 \u00eatre structur\u00e9 dans un cadre d\u2019investissement r\u00e9glement\u00e9. Mais qu\u2019est-ce que cela signifie concr\u00e8tement pour les investisseurs ?<\/p>\r\n<p>Dans mon avis sur TWINO FLEXI, j\u2019explique en d\u00e9tail le fonctionnement exact du produit, les risques dont les investisseurs doivent \u00eatre conscients et \u00e0 qui cet investissement peut convenir.<\/p>\r\n<p>Vous souhaitez investir avec TWINO ? Alors utilisez le lien partenaire ci-dessous pour vous inscrire. Une analyse approfondie de la plateforme P2P est disponible dans mon <a href=\"https:\/\/rethink-p2p.de\/fr\/twino-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur TWINO<\/strong><\/a>.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-twino\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>TWINO FLEXI: 6 % par an + liquidit\u00e9 quotidienne<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#Quest-ce_que_TWINO_FLEXI\" title=\"Qu\u2019est-ce que TWINO FLEXI ?\">Qu\u2019est-ce que TWINO FLEXI ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#Fonctionnement\" title=\"Fonctionnement\">Fonctionnement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#Risques_de_TWINO_FLEXI\" title=\"Risques de TWINO FLEXI\">Risques de TWINO FLEXI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#Risque_Reglementaire\" title=\"Risque R\u00e9glementaire\">Risque R\u00e9glementaire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#Resume_Avis_sur_TWINO_FLEXI\" title=\"R\u00e9sum\u00e9 : Avis sur TWINO FLEXI\">R\u00e9sum\u00e9 : Avis sur TWINO FLEXI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/fr\/twino-flexi-avis\/#FAQ_TWINO_FLEXI\" title=\"FAQ TWINO FLEXI\">FAQ TWINO FLEXI<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Quest-ce_que_TWINO_FLEXI\"><\/span><strong>Qu\u2019est-ce que TWINO FLEXI ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/TWINO-Bonus-.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10282 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/TWINO-Bonus-.jpg\" alt=\"TWINO-FLEXI-Bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10282 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/TWINO-Bonus-.jpg\" alt=\"TWINO-FLEXI-Bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Qu\u2019est-ce que TWINO FLEXI ?<\/p>\r\n<p>TWINO est une plateforme d\u2019investissement lettone supervis\u00e9e par Latvijas Banka depuis septembre 2021 et r\u00e9glement\u00e9e conform\u00e9ment aux normes MiFID II. Les investisseurs de la plateforme n\u2019investissent donc plus dans des cr\u00e9ances de pr\u00eats classiques sous forme de contrats de cession, mais dans des titres adoss\u00e9s \u00e0 des actifs (ABS) couverts par un prospectus de base approuv\u00e9.<\/p>\r\n<p>L\u2019activit\u00e9 principale de TWINO repose actuellement sur des produits \u00e0 taux fixe avec des dur\u00e9es de trois, six et douze mois. FLEXI constitue une extension de cette offre de produits, dans laquelle les fonds sont cens\u00e9s \u00eatre disponibles quotidiennement.<\/p>\r\n<figure class=\"wp-block-table is-style-stripes\">\r\n<table class=\"has-fixed-layout\">\r\n<thead>\r\n<tr>\r\n<th>Produit<\/th>\r\n<th>Dur\u00e9e<\/th>\r\n<th>Taux d\u2019Int\u00e9r\u00eat<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>FLEXI<\/td>\r\n<td>Liquidit\u00e9 Quotidienne<\/td>\r\n<td>6 % par an<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>ABS 3 Mois<\/td>\r\n<td>3 Mois<\/td>\r\n<td>8,5 % par an<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>ABS 6 Mois<\/td>\r\n<td>6 Mois<\/td>\r\n<td>10 % par an<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>ABS 12 Mois<\/td>\r\n<td>12 Mois<\/td>\r\n<td>12 % par an<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<p>La logique derri\u00e8re le lancement de FLEXI est simple : plus un investisseur dispose de flexibilit\u00e9 et de liquidit\u00e9, plus le taux d\u2019int\u00e9r\u00eat est faible. Pour TWINO, cela signifie des co\u00fbts de financement plus bas, ce qui augmente \u00e0 son tour la marge b\u00e9n\u00e9ficiaire.<\/p>\r\n<p>La diff\u00e9rence par rapport \u00e0 des produits comparables comme Bondora Go &amp; Grow ou Monefit SmartSaver est que FLEXI est le premier produit de ce type \u00e0 fonctionner dans un cadre r\u00e9glement\u00e9 et avec un prospectus approuv\u00e9. Le produit est donc formellement soumis \u00e0 des exigences diff\u00e9rentes de celles de ses alternatives non r\u00e9glement\u00e9es.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Fonctionnement\"><\/span>Fonctionnement<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Comment fonctionne exactement TWINO FLEXI ? Les sections suivantes pr\u00e9sentent un aper\u00e7u de ce que les investisseurs doivent savoir concernant les conditions, la structure d\u2019investissement et les paiements.<\/p>\r\n<h3>D\u00e9p\u00f4ts, Versement des Int\u00e9r\u00eats et Conditions<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-34458 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet.png\" alt=\"TWINO-FLEXI-Investment-Wallet\" width=\"500\" height=\"492\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet.png 700w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet-300x295.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet-70x70.png 70w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/492;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-34458 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet.png\" alt=\"TWINO-FLEXI-Investment-Wallet\" width=\"500\" height=\"492\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet.png 700w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet-300x295.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Investieren-TWINO-FLEXI-Investment-Wallet-70x70.png 70w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a><\/p>\r\n<p>Investir dans FLEXI est assez simple et direct. Les investisseurs disposent d\u2019un portefeuille FLEXI sur lequel ils peuvent effectuer des d\u00e9p\u00f4ts directs par virement bancaire ou transf\u00e9rer des fonds disponibles depuis leur compte principal.<\/p>\r\n<p>L\u2019argent est ensuite automatiquement investi dans des titres adoss\u00e9s \u00e0 des actifs. Aucun choix manuel de pr\u00eats ni configuration d\u2019auto-invest n\u2019est n\u00e9cessaire.<\/p>\r\n<p>Le taux d\u2019int\u00e9r\u00eat actuel de FLEXI est de 6 % par an, avec des int\u00e9r\u00eats cr\u00e9dit\u00e9s quotidiennement. Par exemple, une personne qui investit 1 000 EUR dans FLEXI pendant 10 jours re\u00e7oit environ 1,64 EUR. Le montant minimum d\u2019investissement est de 10 EUR, tandis que la limite maximale est actuellement plafonn\u00e9e \u00e0 10 000 EUR par investisseur.<\/p>\r\n<p>Au-del\u00e0 de cela, il n\u2019existe pas de dur\u00e9e minimale de d\u00e9tention, ce qui signifie que les fonds peuvent \u00eatre retir\u00e9s \u00e0 tout moment. De plus, contrairement \u00e0 Bondora Go &amp; Grow (1 EUR par retrait), aucun frais de retrait n\u2019est factur\u00e9 pour les investisseurs FLEXI.<\/p>\r\n<h3>Fincard et Structure du Portefeuille<\/h3>\r\n<p>Les investissements derri\u00e8re FLEXI sont des titres adoss\u00e9s \u00e0 des actifs (ABS) d\u2019une dur\u00e9e de 12 mois, compos\u00e9s de pr\u00eats \u00e0 la consommation du pr\u00eateur polonais Fincard Sp. z o.o. Fincard op\u00e8re en Pologne sous la marque Netcredit et fait partie du groupe FINNO depuis 2011, la soci\u00e9t\u00e9 m\u00e8re de la plateforme TWINO. L\u2019entreprise \u00e9met des cartes de cr\u00e9dit avec des lignes de cr\u00e9dit flexibles et fonctionne depuis novembre 2024 comme \u00e9tablissement de paiement national agr\u00e9\u00e9 (KNF).<\/p>\r\n<p>Environ 90 % du portefeuille FLEXI est actuellement investi dans la structure \u00e0 12 mois. Il s\u2019agit d\u2019une donn\u00e9e importante pour comprendre le m\u00e9canisme de liquidit\u00e9 expliqu\u00e9 dans la section suivante.<\/p>\r\n<p>Concernant la transparence du portefeuille : dans le portefeuille FLEXI, les investisseurs peuvent voir en temps r\u00e9el le volume total \u00e9mis ainsi que le montant actuellement disponible pour investissement. TWINO a indiqu\u00e9 qu\u2019elle pr\u00e9voit d\u2019ajouter d\u2019autres indicateurs \u00e0 l\u2019avenir afin d\u2019accro\u00eetre la transparence.<\/p>\r\n<h3>Liquidit\u00e9 et Paiements<\/h3>\r\n<p>La liquidit\u00e9 est le principal avantage pour les investisseurs. Il est donc important de bien comprendre le fonctionnement du m\u00e9canisme de liquidit\u00e9 \u00e0 trois niveaux de FLEXI.<\/p>\r\n<p><strong>Niveau 1 :<\/strong> mise en correspondance avec de nouveaux investisseurs. Les demandes de retrait sont d\u2019abord couvertes par les nouveaux d\u00e9p\u00f4ts. Cela peut permettre un traitement imm\u00e9diat, sans que le capital ne soit pr\u00e9lev\u00e9 sur le syst\u00e8me.<\/p>\r\n<p><strong>Niveau 2 :<\/strong> r\u00e9serve de liquidit\u00e9 du pr\u00eateur. Fincard est contractuellement tenue de maintenir 10 % du volume total FLEXI en circulation sous forme de r\u00e9serve de tr\u00e9sorerie sur un compte bancaire TWINO. Cette r\u00e9serve est utilis\u00e9e pour les retraits lorsqu\u2019il n\u2019y a pas suffisamment de nouveaux investissements disponibles. TWINO peut ajuster et potentiellement augmenter ce pourcentage \u00e0 sa discr\u00e9tion.<\/p>\r\n<p><strong>Niveau 3 :<\/strong> remboursement anticip\u00e9 par Fincard. Si une demande de retrait d\u00e9passe la r\u00e9serve de liquidit\u00e9, un processus de remboursement anticip\u00e9 est d\u00e9clench\u00e9. Dans ce cas, Fincard rembourse les titres en cours de mani\u00e8re anticip\u00e9e et le retrait est trait\u00e9 \u00e0 partir de ces fonds. Si ce troisi\u00e8me niveau est atteint, les d\u00e9lais de traitement peuvent \u00e9galement augmenter et la liquidit\u00e9 quotidienne peut ne plus \u00eatre garantie.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Risques_de_TWINO_FLEXI\"><\/span>Risques de TWINO FLEXI<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Quels sont les risques dont les investisseurs doivent \u00eatre conscients lorsqu\u2019ils investissent dans TWINO FLEXI ? Voici un aper\u00e7u synth\u00e9tique de tous les facteurs de risque.<\/p>\r\n<h3>Risque de Cr\u00e9dit<\/h3>\r\n<p>Les actifs sous-jacents de FLEXI sont des pr\u00eats \u00e0 la consommation polonais provenant de Fincard (marque : Netcredit), un pr\u00eateur appartenant au groupe. Cela signifie qu\u2019il n\u2019existe pas de diversification au niveau du pr\u00eateur. Toute personne investissant dans FLEXI d\u00e9pend donc enti\u00e8rement de la qualit\u00e9 d\u2019un seul originator de pr\u00eats.<\/p>\r\n<p>Afin d\u2019\u00e9valuer la performance du pr\u00eateur, la plateforme publie r\u00e9guli\u00e8rement <a href=\"https:\/\/www.twino.eu\/de\/loan-originators\" target=\"_blank\" rel=\"noopener\"><strong>les \u00e9tats financiers annuels audit\u00e9s ainsi que des donn\u00e9es financi\u00e8res actuelles<\/strong><\/a>.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th><strong>Pr\u00eateur<\/strong><\/th>\r\n<th><strong>Ann\u00e9e<\/strong><\/th>\r\n<th><strong>Audit\u00e9<\/strong><\/th>\r\n<th><strong>Profit<\/strong><\/th>\r\n<th><strong>ROA<\/strong><\/th>\r\n<th><strong>Fonds Propres<\/strong><\/th>\r\n<th><strong>Dettes<\/strong><\/th>\r\n<th><strong>Liquidit\u00e9<\/strong><\/th>\r\n<th><strong>D\u00e9pr\u00e9ciations<\/strong><\/th>\r\n<th><strong>Score<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Fincard<\/td>\r\n<td><strong><a href=\"https:\/\/a.storyblok.com\/f\/81832\/x\/82b8a3a94b\/poland-financial-statements-2025-audited.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td>\r\n<td class=\"stabil\">BDO<\/td>\r\n<td class=\"stark\">EUR 10,35M<\/td>\r\n<td class=\"stabil\">4,7%<\/td>\r\n<td class=\"stark\">42,5%<\/td>\r\n<td class=\"stabil\">1,35<\/td>\r\n<td class=\"stabil\">1,74<\/td>\r\n<td class=\"mittel\">9,0%<\/td>\r\n<td class=\"stabil\">81 (83)<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<p>Selon mon <a href=\"https:\/\/rethink-p2p.de\/fr\/preteur\/\" target=\"_blank\" rel=\"noopener\"><strong>syst\u00e8me de notation interne des pr\u00eateurs<\/strong><\/a>, qui se concentre exclusivement sur la stabilit\u00e9 financi\u00e8re, Fincard figure parmi les meilleurs pr\u00eateurs de l\u2019ensemble du march\u00e9 P2P avec un score de 83 points.<\/p>\r\n<blockquote>\r\n<p><em>&#8220;TWINO is actively exploring new loan originators and when new ones are added to the platform, the plan is to most likely extend the FLEXI framework to those underlying portfolios as well. The architecture is built to scale beyond a single originator and a single country.&#8221;<\/em><\/p>\r\n<\/blockquote>\r\n<p>Selon TWINO, le plan est d\u2019int\u00e9grer \u00e0 l\u2019avenir des pr\u00eateurs suppl\u00e9mentaires dans la structure FLEXI.<\/p>\r\n<h3><strong>Risque de Liquidit\u00e9<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-34441 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending.png\" alt=\"TWINO-FLEXI-Review-Liquidity\" width=\"500\" height=\"464\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending.png 841w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending-300x278.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending-768x712.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/464;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-34441\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending.png\" alt=\"TWINO-FLEXI-Review-Liquidity\" width=\"500\" height=\"464\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending.png 841w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending-300x278.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Review-Liquidity-rethink-P2P-Lending-768x712.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>TWINO a mod\u00e9lis\u00e9 en interne diff\u00e9rents sc\u00e9narios de stress dans lesquels des demandes de retrait simultan\u00e9es repr\u00e9sentant 20 %, 30 % ou 50 % du portefeuille FLEXI g\u00e9r\u00e9 se produiraient. Le m\u00e9canisme de liquidit\u00e9 \u00e0 trois niveaux d\u00e9j\u00e0 d\u00e9crit est con\u00e7u pour absorber de tels sc\u00e9narios.<\/p>\r\n<p data-start=\"304\" data-end=\"496\">Dans un sc\u00e9nario extr\u00eame, si Fincard rencontrait elle-m\u00eame des probl\u00e8mes de liquidit\u00e9 et n\u2019\u00e9tait plus en mesure de maintenir le coussin de s\u00e9curit\u00e9, TWINO a d\u00e9j\u00e0 \u00e9labor\u00e9 un sc\u00e9nario d\u2019urgence.<\/p>\r\n<p data-start=\"498\" data-end=\"816\">Selon ce sc\u00e9nario, l\u2019investissement FLEXI serait automatiquement converti en un produit classique \u00e0 taux fixe de 12 mois, continuant \u00e0 g\u00e9n\u00e9rer un rendement de 6 % par an. Dans ce cas, le rendement serait pr\u00e9serv\u00e9, mais la liquidit\u00e9 quotidienne ne serait plus disponible jusqu\u2019\u00e0 l\u2019\u00e9ch\u00e9ance du titre adoss\u00e9 \u00e0 des actifs.<\/p>\r\n<blockquote>\r\n<p><em>&#8220;If Netcredit faces financial difficulties, the product converts to a standard 12-month fixed term investment at the same 6% interest rate &#8211; return is protected, but daily liquidity would not be available until the series matures.&#8221;<\/em><\/p>\r\n<\/blockquote>\r\n<p data-start=\"1084\" data-end=\"1481\">En r\u00e9sum\u00e9, cela signifie qu\u2019un produit ax\u00e9 sur la liquidit\u00e9 devient un investissement bloqu\u00e9. Bien qu\u2019il n\u2019y ait pas de perte en capital dans ce cas, une des principales caract\u00e9ristiques du produit dispara\u00eet. TWINO a \u00e9galement annonc\u00e9 que l\u2019\u00e9mission de nouvelles s\u00e9ries FLEXI serait imm\u00e9diatement suspendue d\u00e8s que toute d\u00e9t\u00e9rioration de la situation de liquidit\u00e9 de Fincard deviendrait apparente.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34449 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period.png\" alt=\"TWINO-FLEXI-Extension-Period\" width=\"1200\" height=\"118\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-300x30.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-1024x101.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-768x76.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/118;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34449\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period.png\" alt=\"TWINO-FLEXI-Extension-Period\" width=\"1200\" height=\"118\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-300x30.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-1024x101.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Liquiditat-TWINO-FLEXI-Review-Extension-Period-768x76.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<div class=\"qMYqUG_convSearchResultHighlightRoot\">\r\n<div class=\"\" data-turn-id-container=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-56\" data-is-intersecting=\"true\">\r\n<div class=\"relative w-full overflow-visible\">\r\n<section class=\"text-token-text-primary w-full focus:outline-none has-data-writing-block:pointer-events-none [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-56\" data-turn-id-container=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-56\" data-testid=\"conversation-turn-32\" data-scroll-anchor=\"false\" data-turn=\"assistant\">\r\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\r\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\r\n<div class=\"flex max-w-full flex-col gap-4 grow\">\r\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"d425453b-1d56-401d-a627-2e0e72800aac\" data-message-model-slug=\"gpt-5-3-mini\" data-turn-start-message=\"true\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\r\n<div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\">\r\n<p data-start=\"1483\" data-end=\"1787\" data-is-last-node=\"\" data-is-only-node=\"\">Autre point important pour les investisseurs : selon le prospectus de base, Fincard a le droit de prolonger la maturit\u00e9 du pr\u00eat sous-jacent jusqu\u2019\u00e0 trois fois, chaque fois de trois mois suppl\u00e9mentaires. Cela signifie que, dans le pire des cas, un ABS de 12 mois peut devenir un investissement de 21 mois.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3 data-start=\"0\" data-end=\"34\">Risque de Plateforme et d\u2019\u00c9metteur<\/h3>\r\n<p data-start=\"36\" data-end=\"328\">Il n\u2019existe aucun syst\u00e8me de garantie des d\u00e9p\u00f4ts sur TWINO permettant de prot\u00e9ger les investisseurs contre une perte de capital. En cas de perte, les investisseurs n\u2019ont donc aucun droit \u00e0 une indemnisation. Tous les sc\u00e9narios d\u2019insolvabilit\u00e9 de TWINO sont d\u00e9crits dans <a href=\"https:\/\/a.storyblok.com\/f\/81832\/x\/6840c66c65\/twino-investments-poland-sia-base-prospectus-2026-03-25-flexi.pdf\" target=\"_blank\" rel=\"noopener\"><strong>le prospectus de base<\/strong><\/a>.<\/p>\r\n<p data-start=\"330\" data-end=\"666\">L\u2019\u00e9metteur des titres FLEXI est SIA TWINO Investments Poland. Il s\u2019agit d\u2019une entit\u00e9 juridiquement distincte qui d\u00e9tient la propri\u00e9t\u00e9 des cr\u00e9ances de pr\u00eats sous-jacentes. Cela signifie que m\u00eame si la plateforme P2P TWINO rencontrait des difficult\u00e9s, les actifs seraient formellement s\u00e9curis\u00e9s au sein de leur propre structure juridique.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34445 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee.png\" alt=\"TWINO-FLEXI-Risks-Guarantee\" width=\"1000\" height=\"311\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee-300x93.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee-768x239.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/311;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34445\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee.png\" alt=\"TWINO-FLEXI-Risks-Guarantee\" width=\"1000\" height=\"311\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee-300x93.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Risiko-TWINO-FLEXI-Review-Risks-Guarantee-768x239.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<div class=\"qMYqUG_convSearchResultHighlightRoot\">\r\n<div class=\"\" data-turn-id-container=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-57\" data-is-intersecting=\"true\">\r\n<div class=\"relative w-full overflow-visible\">\r\n<section class=\"text-token-text-primary w-full focus:outline-none has-data-writing-block:pointer-events-none [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-57\" data-turn-id-container=\"request-WEB:58e0e67d-f6a7-4913-89b0-677d7e1ee014-57\" data-testid=\"conversation-turn-34\" data-scroll-anchor=\"false\" data-turn=\"assistant\">\r\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\r\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\r\n<div class=\"flex max-w-full flex-col gap-4 grow\">\r\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"cf137dab-35ff-4fd8-ae29-97541c46486c\" data-message-model-slug=\"gpt-5-3-mini\" data-turn-start-message=\"true\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\r\n<div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\">\r\n<p data-start=\"668\" data-end=\"973\" data-is-last-node=\"\" data-is-only-node=\"\">Point important \u00e0 comprendre : selon le prospectus de base, l\u2019entit\u00e9 juridique en Pologne n\u2019est tenue d\u2019effectuer des paiements que dans la mesure o\u00f9 elle a effectivement re\u00e7u des fonds du pr\u00eateur. Si Fincard ne proc\u00e8de pas aux paiements, les investisseurs n\u2019ont aucun autre recours sur les autres actifs.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h2 data-start=\"0\" data-end=\"20\"><span class=\"ez-toc-section\" id=\"Risque_Reglementaire\"><\/span>Risque R\u00e9glementaire<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-start=\"22\" data-end=\"273\">Fincard op\u00e8re en Pologne, un march\u00e9 qui conna\u00eet des changements r\u00e9glementaires constants depuis plusieurs ann\u00e9es. La mise en \u0153uvre actuelle de la directive europ\u00e9enne sur le cr\u00e9dit \u00e0 la consommation CCD2 entra\u00eene une nouvelle vague de transformations.<\/p>\r\n<p data-start=\"275\" data-end=\"528\">Selon TWINO, il existe actuellement des retards importants en Pologne en raison de tensions entre l\u2019autorit\u00e9 financi\u00e8re comp\u00e9tente (UoKiK) et d\u2019autres organes gouvernementaux. La Pologne envisagerait de demander une extension \u00e0 la Commission europ\u00e9enne.<\/p>\r\n<blockquote>\r\n<p><em>&#8220;Currently CCD2 status in Poland is still unclear, with responsible authority delaying release of provision to parliament. There is tension between responsible authority (UoKiK) and other government institutions (regulator, ministries) regarding way of implementation and provisions which delays the process. Also there is talk that Poland will turn to European Commission to ask for extra term for implementation due to complexity. As CCD2 provisions are released as package there is not yet clear what will be final provisions on such things as caps, creditworthiness rules, value added services, free loan sanction, etc.&#8221;<\/em><\/p>\r\n<\/blockquote>\r\n<p data-start=\"1271\" data-end=\"1510\">Une fois les nouvelles r\u00e9glementations adopt\u00e9es, la Pologne pourrait introduire de nouveaux plafonds de taux d\u2019int\u00e9r\u00eat et des exigences de solvabilit\u00e9 susceptibles de modifier les conditions d\u2019exploitation de l\u2019activit\u00e9 de pr\u00eat de Fincard.<\/p>\r\n<p data-start=\"1512\" data-end=\"1689\">Ce qui peut toutefois rassurer les investisseurs, c\u2019est le fait que Fincard est active en Pologne depuis 2011 et a d\u00e9j\u00e0 travers\u00e9 plusieurs vagues r\u00e9glementaires au fil du temps.<\/p>\r\n<blockquote>\r\n<p><em>&#8220;Before CCD2 Fincard was focusing solely on credit card as a core product, but as result of CCD2 Fincard is pursuing multi-product strategy with credit cards still staying as a core product, but also working to offer short-term lending product and installment lending product to diversify it&#8217;s product mix and be more flexible to build loan portfolio once provisions will be fully clear.&#8221;<\/em><\/p>\r\n<\/blockquote>\r\n<p>Selon la plateforme, une strat\u00e9gie multi-produits est d\u00e9j\u00e0 en cours de pr\u00e9paration en interne. En fonction de la mise en \u0153uvre finale de la nouvelle directive, des pr\u00eats \u00e0 la consommation \u00e0 court terme et des pr\u00eats \u00e0 temp\u00e9rament pourraient \u00eatre r\u00e9introduits dans le portefeuille aux c\u00f4t\u00e9s des cartes de cr\u00e9dit.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Resume_Avis_sur_TWINO_FLEXI\"><\/span>R\u00e9sum\u00e9 : Avis sur TWINO FLEXI<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>TWINO FLEXI est un produit structurellement int\u00e9ressant qui r\u00e9pond \u00e0 une forte demande des investisseurs pour davantage de liquidit\u00e9. L\u2019approche consistant \u00e0 offrir une liquidit\u00e9 quotidienne dans un cadre r\u00e9glement\u00e9 est nouvelle sur le march\u00e9 europ\u00e9en du P2P. Le mod\u00e8le de liquidit\u00e9 \u00e0 trois niveaux con\u00e7u \u00e0 cet effet est transparent et fournit une explication compr\u00e9hensible.<\/p>\r\n<p>Les avantages de TWINO FLEXI incluent le cadre r\u00e9glement\u00e9, les int\u00e9r\u00eats vers\u00e9s quotidiennement, un m\u00e9canisme d\u2019urgence clair en cas de sc\u00e9narios de stress, la simplicit\u00e9 d\u2019utilisation ainsi qu\u2019un faible seuil d\u2019entr\u00e9e \u00e0 partir de 10 EUR.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34371 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending.png\" alt=\"TWINO-FLEXI-Review-P2P-Lending\" width=\"1000\" height=\"562\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending-300x169.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending-768x432.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/562;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34371\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending.png\" alt=\"TWINO-FLEXI-Review-P2P-Lending\" width=\"1000\" height=\"562\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending-300x169.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/TWINO-FLEXI-Erfahrungen-Funktionsweise-TWINO-FLEXI-Review-P2P-Lending-768x432.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Les questions restantes \u00e0 noter concernent la d\u00e9pendance \u00e0 un seul pr\u00eateur, qui \u00e9volue \u00e9galement dans un environnement r\u00e9glementaire changeant, une transparence du portefeuille perfectible, ainsi que la limite de 10 000 EUR qui restreint les ambitions d\u2019investissement plus importantes.<\/p>\r\n<p>Alors, \u00e0 qui convient un investissement dans TWINO FLEXI ?<\/p>\r\n<p>FLEXI constitue une option pertinente pour les investisseurs qui accordent de l\u2019importance \u00e0 la liquidit\u00e9 \u00e0 court terme et qui pr\u00e9f\u00e8rent un cadre r\u00e9glement\u00e9 plut\u00f4t que Go &amp; Grow ou SmartSaver.<\/p>\r\n<p>\u00c0 titre personnel, je consid\u00e8re TWINO davantage comme un investissement \u00e0 long terme. C\u2019est pourquoi je pr\u00e9f\u00e8re investir sur des dur\u00e9es de douze mois afin d\u2019obtenir jusqu\u2019\u00e0 12 % par an, tout en restant dans la m\u00eame structure d\u2019investissement r\u00e9glement\u00e9e.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-twino\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>TWINO FLEXI: 6 % par an + liquidit\u00e9 quotidienne<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<h3>Alternatives \u00e0 TWINO FLEXI<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a> et <a href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Monefit SmartSaver<\/strong><\/a> sont deux autres produits sur le march\u00e9 du P2P qui offrent une liquidit\u00e9 quotidienne. Comment l\u2019alternative TWINO FLEXI se positionne-t-elle dans une comparaison directe ?<\/p>\r\n<p><style>\r\n.rethink-table-wrap { width: 100%; overflow-x: auto; margin: -20px 0; }\r\n.rethink-table-wrap table {\r\n  width: 100%;\r\n  border-collapse: collapse;\r\n  background: #ffffff;\r\n  border-radius: 12px;\r\n  overflow: hidden;\r\n  box-shadow: 0 2px 16px rgba(0,0,0,0.07);\r\n  font-family: 'DM Sans', sans-serif;\r\n}\r\n.rethink-table-wrap thead tr { background: #0a0a0a; }\r\n.rethink-table-wrap thead th {\r\n  padding: 12px 20px;\r\n  text-align: left;\r\n  font-size: 13px;\r\n  font-weight: 600;\r\n  letter-spacing: 0.06em;\r\n  text-transform: uppercase;\r\n  color: #ffffff;\r\n  white-space: nowrap;\r\n}\r\n.rethink-table-wrap thead th:first-child { color: #ffffff; }\r\n.rethink-table-wrap thead th.rethink-highlight { color: #00c8e0; }\r\n.rethink-table-wrap tbody tr {\r\n  border-bottom: 1px solid #f0f0ee;\r\n  transition: background 0.15s;\r\n}\r\n.rethink-table-wrap tbody tr:last-child { border-bottom: none; }\r\n.rethink-table-wrap tbody tr:nth-child(odd) { background: #fafaf8; }\r\n.rethink-table-wrap tbody tr:nth-child(even) { background: #ffffff; }\r\n.rethink-table-wrap tbody tr:hover { background: #f0fcff; }\r\n.rethink-table-wrap td {\r\n  padding: 12px 20px;\r\n  font-size: 14px;\r\n  color: #3a3a3a;\r\n  vertical-align: middle;\r\n  line-height: 1.5;\r\n  white-space: nowrap;\r\n}\r\n.rethink-table-wrap td:first-child {\r\n  font-weight: 600;\r\n  color: #0a0a0a;\r\n  font-size: 13.5px;\r\n  width: 185px;\r\n}\r\n.rethink-table-wrap td:nth-child(2) {\r\n  color: #0a0a0a;\r\n  font-weight: 500;\r\n  border-left: 3px solid #00c8e0;\r\n  border-right: 3px solid #00c8e0;\r\n  background: rgba(0, 200, 224, 0.04);\r\n  transition: background 0.15s;\r\n}\r\n.rethink-table-wrap tbody tr:nth-child(odd) td:nth-child(2) { background: rgba(0, 200, 224, 0.06); }\r\n.rethink-table-wrap tbody tr:hover td:nth-child(2) { background: rgba(0, 200, 224, 0.1); }\r\n.rethink-table-wrap .rethink-nein { color: #3a3a3a; }\r\n<\/style><\/p>\r\n<div class=\"rethink-table-wrap\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th>Crit\u00e8re<\/th>\r\n<th class=\"rethink-highlight\">FLEXI<\/th>\r\n<th>Go &amp; Grow<\/th>\r\n<th>SmartSaver<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Historique<\/td>\r\n<td>Avril\u00a02026<\/td>\r\n<td>Avril 2018<\/td>\r\n<td>Novembre 2022<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Juridiction<\/td>\r\n<td>Riga, Lettonie<\/td>\r\n<td>Tallinn, Estonie<\/td>\r\n<td>Tallinn, Estonie<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Taux d\u2019Int\u00e9r\u00eat<\/td>\r\n<td>6 % par an<\/td>\r\n<td>6 % par an<\/td>\r\n<td>7,5 % par an<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Cr\u00e9dit des Int\u00e9r\u00eats<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Quotidien<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Liquidit\u00e9<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Jusqu\u2019\u00e0 10 Jours<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>R\u00e9gulation<\/td>\r\n<td>Oui<\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Protection des D\u00e9p\u00f4ts<\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Investissement Min.<\/td>\r\n<td>10 EUR<\/td>\r\n<td>1 EUR<\/td>\r\n<td>10 EUR<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Investissement Max.<\/td>\r\n<td>10 000 EUR<\/td>\r\n<td>Sans Limite<\/td>\r\n<td>500 000 EUR<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p>Des alternatives suppl\u00e9mentaires \u00e0 TWINO FLEXI peuvent \u00eatre consult\u00e9es dans ma <a href=\"https:\/\/rethink-p2p.de\/fr\/plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>comparaison des plateformes P2P<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>D\u00e9charge de Responsabilit\u00e9<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats&lt;\/strong&gt;\">Cet article contient des liens d\u2019affiliation. Si vous vous inscrivez et\/ou investissez via l\u2019un de ces liens, l\u2019op\u00e9rateur re\u00e7oit une commission. Cette r\u00e9mun\u00e9ration n\u2019influence en rien l\u2019opinion ni l\u2019\u00e9valuation de la plateforme. Les \u00e9ventuels conflits d\u2019int\u00e9r\u00eats peuvent \u00eatre consult\u00e9s sur la page \u00ab <a href=\"https:\/\/rethink-p2p.de\/fr\/portefeuille-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Portefeuille P2P<\/strong><\/a> \u00bb.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;D\u00e9charge de Responsabilit\u00e9&lt;\/strong&gt;\">Les investissements dans les pr\u00eats P2P comportent des risques et peuvent entra\u00eener la perte totale du capital investi. Les performances pass\u00e9es ne constituent pas un indicateur fiable des d\u00e9veloppements futurs. Le contenu suivant est fourni uniquement \u00e0 titre informatif et ne constitue pas un conseil en investissement. Malgr\u00e9 des recherches minutieuses, aucune garantie n\u2019est donn\u00e9e quant \u00e0 l\u2019exactitude, l\u2019exhaustivit\u00e9 ou l\u2019actualit\u00e9 des informations fournies. Aucune responsabilit\u00e9 n\u2019est assum\u00e9e pour les pertes financi\u00e8res ou les d\u00e9cisions d\u2019investissement bas\u00e9es sur les informations pr\u00e9sent\u00e9es ici. Pour plus de d\u00e9tails, consultez <a href=\"https:\/\/rethink-p2p.de\/fr\/decharge-de-responsabilite\/\" target=\"_blank\" rel=\"noopener\"><strong>l\u2019avis de non-responsabilit\u00e9 complet<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_TWINO_FLEXI\"><\/span><strong>FAQ TWINO FLEXI<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1778770708476\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Qu\u2019est-ce que TWINO FLEXI ?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">TWINO FLEXI est un produit d\u2019investissement de la plateforme lettone TWINO. Les investisseurs placent leur argent dans des titres adoss\u00e9s \u00e0 des actifs (ABS) garantis par des pr\u00eats \u00e0 la consommation polonais du pr\u00eateur Fincard (marque : Netcredit). Les investisseurs re\u00e7oivent un taux d\u2019int\u00e9r\u00eat fixe de 6 % par an, combin\u00e9 \u00e0 une liquidit\u00e9 quotidienne.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1778770725496\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 \u00c0 quelle vitesse puis-je retirer mon argent ?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Dans des conditions normales, imm\u00e9diatement ou dans un court d\u00e9lai. TWINO utilise un m\u00e9canisme \u00e0 trois niveaux compos\u00e9 de la mise en correspondance avec de nouveaux investisseurs, d\u2019une r\u00e9serve de collat\u00e9ral (10 % du portefeuille) et de remboursements anticip\u00e9s. Dans des sc\u00e9narios de crise avec une demande de retrait tr\u00e8s \u00e9lev\u00e9e, les d\u00e9lais de traitement peuvent \u00eatre plus longs.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1778770735721\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 \u00c0 partir de quand les int\u00e9r\u00eats sont-ils cr\u00e9dit\u00e9s ?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Les int\u00e9r\u00eats sont cr\u00e9dit\u00e9s quotidiennement d\u00e8s le premier jour de l\u2019investissement, calcul\u00e9s au prorata pour la dur\u00e9e exacte de d\u00e9tention.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1778770742992\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Y a-t-il des frais avec FLEXI ?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">L\u2019utilisation de FLEXI est gratuite.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36892,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>TWINO FLEXI Avis 2026 : Fonctionnement, \u00c9valuation des Risques et Comparaison<\/title>\n<meta name=\"description\" content=\"TWINO FLEXI Avis 2026 \u2795 Produit P2P avec liquidit\u00e9 quotidienne ? 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