Twino
Twino is a Latvian investment platform in Riga, operated by AS TWINO Investments. It went live in 2015 as a peer-to-peer marketplace and is today an investment firm licensed by Latvijas Banka under MiFID II, licence 27-55/2025/7, valid from 31 August 2021. Investors buy asset-backed securities backed by consumer loans from a Polish originator, and equity securities in AS TWINO Properties tied to rental buildings in Riga. The Latvian investor compensation scheme covers up to 20,000 EUR if the firm itself fails; it does not cover loan losses. There is a secondary market and an auto-invest tool, and the current Loan Securities carry no buyback guarantee. Latvijas Banka additionally authorised the company as a crypto-asset service provider under MiCA on 4 June 2026.
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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)
11.6%
Based on 156 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 86 stated strategies
Combined portfolio value
€1,413,612
Investors on P2P Dash
290
Interest earned all-time
€423,291
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
12.4%
54 investors
13.2%
2016
11.0%
2017
10.4%
2018
9.8%
2019
9.4%
2020
9.9%
2021
10.5%
2022
11.3%
2023
11.9%
2024
12.2%
2025
12.7%
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
+€448,486
290 investors tracking
In Q3 2026, Twino ranks 14 of 50 platforms by net capital flow. See all capital flows for Q3 2026 →
Alternatives to Twino
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking: Consumer loans → Real estate → Yield accounts →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,981 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 156 Twino portfolios tracked on P2P Dash, the median net return (XIRR) is 11.6%. The middle 50% of investors earn between 10.7% and 12.9% (as of September 18, 2026).
How many investors track Twino on P2P Dash?
290 investors track their Twino portfolios on P2P Dash, with a combined portfolio value of €1,413,612 and €423,291 in interest earned all-time.
How does Twino rank among P2P platforms?
Twino ranks 12 of 27 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 86 stated strategies for Twino, 57% plan to add funds or reinvest, 17% intend to hold, and 26% plan to reduce or exit (as of September 18, 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.