Indemo
Indemo is a regulated investment platform based in Riga, Latvia, founded in 2022 and launched in 2023. Licensed by Latvijas Banka (the Central Bank of Latvia) under MiFID II, it specializes in real estate-backed investments through two unique products: mortgage loans and discounted debt investments (non-performing loans acquired from Spanish banks). The platform differentiates itself by offering access to institutional-grade debt investments typically reserved for large investors, with a minimum investment of just 10 euros.
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Indemo in real numbers
Anonymized statistics from all Indemo portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
5.7%
Based on 220 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 135 stated strategies
Combined portfolio value
€2,377,346
Investors on P2P Dash
460
Interest earned all-time
€28,194
Median cash drag
1.1%
Share of funds sitting uninvested
Compare Indemo head-to-head
Indemo returns over time
Median annual return of Indemo investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
2.4%
32 investors
5.9%
2024
6.3%
2025
2.6%
2026
Is money moving into Indemo?
Monthly deposits minus withdrawals across Indemo investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€1,275,943
460 investors tracking
In Q2 2026, Indemo ranks 14 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Indemo investors also track
Share of Indemo investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Indemo
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Indemo
Answers based on anonymized community data from P2P Dash investors.
What is Indemo?
Indemo is a peer-to-peer lending platform, founded in 2022 (headquarters: Latvia). On P2P Dash, investors import their Indemo account statements to track the real net return they earn there.
What return do investors actually earn with Indemo?
Across 220 Indemo portfolios tracked on P2P Dash, the median net return (XIRR) is 5.7%. The middle 50% of investors earn between 3.6% and 10.4% (as of August 3, 2026).
How many investors track Indemo on P2P Dash?
460 investors track their Indemo portfolios on P2P Dash, with a combined portfolio value of €2,377,346 and €28,194 in interest earned all-time.
How does Indemo rank among P2P platforms?
Indemo ranks 25 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Indemo?
Of 135 stated strategies for Indemo, 41% plan to add funds or reinvest, 32% intend to hold, and 27% plan to reduce or exit (as of August 3, 2026).
Is Indemo regulated?
Yes, Indemo is a regulated platform supervised by Latvijas Banka.
Does Indemo offer a buyback guarantee?
No, Indemo does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Indemo portfolio?
Export your transaction history from Indemo (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Indemo?
Based on the community ranking, the closest alternatives to Indemo in the same asset class are Inrento, Crowdpear, Fintown. Each platform page shows real median returns and investor numbers from the P2P Dash community.