Twino
Twino is a Latvian peer-to-peer lending platform founded in 2015, headquartered in Riga. It specializes in consumer loan investments; its current Loan Securities are not covered by a buyback guarantee. 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 60,000 investors across 30+ countries.
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Twino in real numbers
Anonymized statistics from all Twino portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
11.7%
Based on 141 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 70 stated strategies
Combined portfolio value
€1,210,359
Investors on P2P Dash
243
Interest earned all-time
€397,994
Median cash drag
2.2%
Share of funds sitting uninvested
Compare Twino head-to-head
Twino returns over time
Median annual return of Twino investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
12.2%
48 investors
13.2%
2016
10.7%
2017
10.3%
2018
9.8%
2019
9.5%
2020
9.8%
2021
10.5%
2022
11.3%
2023
11.9%
2024
12.2%
2025
12.6%
2026
Is money moving into Twino?
Monthly deposits minus withdrawals across Twino investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€307,473
243 investors tracking
In Q2 2026, Twino ranks 16 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Alternatives to Twino
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 Twino
Answers based on anonymized community data from P2P Dash investors.
What is Twino?
Twino is a peer-to-peer lending platform, founded in 2015 (headquarters: Latvia). On P2P Dash, investors import their Twino account statements to track the real net return they earn there.
What return do investors actually earn with Twino?
Across 141 Twino portfolios tracked on P2P Dash, the median net return (XIRR) is 11.7%. The middle 50% of investors earn between 10.7% and 12.9% (as of August 3, 2026).
How many investors track Twino on P2P Dash?
243 investors track their Twino portfolios on P2P Dash, with a combined portfolio value of €1,210,359 and €397,994 in interest earned all-time.
How does Twino rank among P2P platforms?
Twino ranks 15 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 Twino?
Of 70 stated strategies for Twino, 57% plan to add funds or reinvest, 16% intend to hold, and 27% plan to reduce or exit (as of August 3, 2026).
Is Twino regulated?
Yes, Twino is a regulated platform supervised by Latvijas Banka.
Does Twino offer a buyback guarantee?
No, Twino does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Twino portfolio?
Export your transaction history from Twino (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 Twino?
Based on the community ranking, the closest alternatives to Twino in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.