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The most significant thing you have to do for P2P ending investments is to choose the correct platforms. Twino was the 3rd P2P lending network I have ever invested in, and now, over 4 years later, it's time to study the platform in depth and show you the current state of my Twino portfolio.

I'm going to reveal to you in this article what I think are the platform's greatest advantages, and what the state of my portfolio on the platform is at the moment. I'm going to share how to begin on the platform, too, and the investing strategy I use on Twino at the moment.

And what's Twino?

Twino is a Latvian P2P platform and one of Europe's biggest P2P lending sites, with loans worth more than EUR one billion funded since the platform's beginning. They have more than 20K investors at present. In 2018, they have achieved profitability, which is a really positive sign for a P2P lending site.

Loans from five different nations and three different kinds (consumer and company loans and invoice financing) are at the moment being proposed, which renders the investors being able diversify their investments in some countries, as well as various kinds of loans.

Over the years, they have received multiple accolades, like the BankingCheck one in 2019, and on Trustpilot they have a really strong score of 4.2 stars, which means that it is a platform that is very popular with clients.

What returns can I get?

Twino promotes loans with more than 14 percent returns on their homepage, but many loans on the site have a bit smaller yields. In recent times, my personal return was at 10.94 percent, as I invest more with smaller interest rates on shorter-term loans.

Since November 2015, I have been investing on the platform, too, and the returns have always been the same. As for all my evaluations, at the end of this post, you may also see  more information about my returns at the moment with Twino.

Is investing in Twino secure?

As for all investments, it is a gamble to invest in Twino. But, there are lots of things on Twino that are counted in to ensure that when investing on the platform, you just have a lesser volume of risk.

The first thing that will secure your Twino platform investments is that they have a lot of loans that come with a buyback warrant. As for other sites, it ensures that even if a borrower does not pay back a loan, Twino will automatically purchase back the loan following sixty days of late payments and give back the cash to your account. Not all loans arrive with this warrant, but we' will see later how to ensure you're just investing in those loans.

They have stated in recent times that they have applied for an investment broker license in Latvia, making the platform one of the pioneering ones in Europe to have such a thing. This is certainly a positive move forward for the platform and certainly renders it safer in terms of protecting your cash than other similar platforms.

During the pandemic in 2020, they still had excellent contact with investors and managed the situation much better than other competitors, as they proved that they were looking out for their investors. Even through the pandemic, I have earned steady and secure returns and this is certainly an optimistic sign for the upcoming times.

Start Out on Twino

It is very simple to get started with Twino. At first, opening a free account on their web page is what you need to do. Usually, this takes less than five minutes, counting in a step in which they ask you to verify your identity.

You may then enter the portal and browse loans once your account on Twino is developed & checked. In order to begin investing, the following move is to deposit cash into your account. As they have a bank account with an IBAN that you may utilize to make the transaction, this is simple to do. Notice that the first account transfer has to come from an account on your behalf, so it has to come from a bank (for instance, TransferWise will not work).

As with all the platforms I got in my portfolio, I tried to withdraw cash from the platform at once. This happened without any complications, and in a day, I got the money back in my bank account.

Twino main features and highlights

Bottom line
They are now one of the most successful marketplace lenders in Continental Europe and are the first platform to introduce P2P lending to emerging markets such as Russia and Kazakhstan.
Fees: 10 - 15%
Min Deposit: €10
Target returns: 9.21% - 12.8%
  • Consumer lending
  • Real Estate lending
  • Invoice financing
  • Business lending

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