Twino

Twino is a Latvian peer-to-peer lending platform founded in 2015, headquartered in Riga. It specializes in consumer loan investments with buyback guarantees. As one of the first P2P platforms in continental Europe, Twino is licensed and regulated by Latvijas Banka under MiFID II, providing investor protection up to EUR 20,000. The platform has facilitated over EUR 1.2 billion in funded loans and serves more than 22,000 investors across 30+ countries.