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 180 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 108 stated strategies
Combined portfolio value
€1,689,368
Investors on P2P Dash
334
Interest earned all-time
€473,029
Median cash drag
2.2%
Share of funds sitting uninvested
Important Notes
- Everything in your FLEXI wallet counts as invested, including FLEXI Cash that has not been invested yet. Money you pay or move into FLEXI counts as an investment, money that leaves FLEXI as a repayment.
- The reason: Twino's export does not show when FLEXI securities are sold to pay out a withdrawal. Without that row we cannot tell sold securities from FLEXI Cash.
- Cash and invested can therefore differ from the Twino dashboard by your FLEXI Cash, usually a few cents of interest or a deposit that has not been invested yet. Total balance, interest and return are not affected.
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
12.1%
63 investors
13.2%
2016
11.0%
2017
10.4%
2018
9.8%
2019
9.2%
2020
10.0%
2021
10.4%
2022
11.2%
2023
11.8%
2024
12.1%
2025
12.4%
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
+€680,808
334 investors tracking
In Q3 2026, Twino ranks 10 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Twino changing?
The strategies Twino investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
62
as of Nov 12, 2026
Last 7 days
0
- More cautious
- 0
- More confident
- 0
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 62 | 108 | 0 | 1 | 2 | 0 | 37% | 18% | 19% | 6% | 19% |
| Oct 26 to Nov 1, 2026 | 62 | 106 | 0 | 1 | 3 | 0 | 37% | 18% | 21% | 5% | 20% |
| Oct 19 to Oct 25, 2026 | 61 | 103 | 1 | 1 | 5 | 0 | 35% | 19% | 21% | 5% | 19% |
| Oct 12 to Oct 18, 2026 | 61 | 98 | 0 | 1 | 1 | 1 | 35% | 19% | 21% | 5% | 19% |
| Oct 5 to Oct 11, 2026 | 61 | 98 | 0 | 1 | 4 | 0 | 36% | 18% | 21% | 5% | 19% |
| Sep 28 to Oct 4, 2026 | 63 | 94 | 1 | 1 | 6 | 0 | 37% | 19% | 19% | 5% | 19% |
| Sep 21 to Sep 27, 2026 | 61 | 88 | 0 | 1 | 4 | 0 | 34% | 22% | 19% | 5% | 20% |
| Sep 14 to Sep 20, 2026 | 60 | 84 | 0 | 0 | 2 | 0 | 33% | 23% | 18% | 5% | 21% |
| Sep 7 to Sep 13, 2026 | 59 | 82 | 0 | 0 | 2 | 1 | 32% | 23% | 18% | 5% | 22% |
| Aug 31 to Sep 6, 2026 | 60 | 81 | 0 | 1 | 2 | 1 | 32% | 23% | 17% | 5% | 22% |
| Aug 24 to Aug 30, 2026 | 60 | 80 | 0 | 0 | 1 | 0 | 33% | 24% | 16% | 5% | 23% |
| Aug 17 to Aug 23, 2026 | 59 | 79 | 2 | 3 | 2 | 0 | 32% | 24% | 16% | 5% | 23% |
| Aug 10 to Aug 16, 2026 | 59 | 77 | 0 | 0 | 4 | 0 | 31% | 25% | 16% | 5% | 23% |
| Aug 3 to Aug 9, 2026 | 61 | 73 | 1 | 0 | 4 | 0 | 32% | 26% | 16% | 5% | 21% |
| Jul 27 to Aug 2, 2026 | 59 | 69 | 0 | 1 | 4 | 0 | 30% | 25% | 17% | 6% | 22% |
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 2,124 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 180 Twino portfolios tracked on P2P Dash, the median net return (XIRR) is 11.6%. The middle 50% of investors earn between 10.7% and 12.8% (as of November 12, 2026).
How many investors track Twino on P2P Dash?
334 investors track their Twino portfolios on P2P Dash, with a combined portfolio value of €1,689,368 and €473,029 in interest earned all-time.
How does Twino rank among P2P platforms?
Twino ranks 14 of 29 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 108 stated strategies for Twino, 55% plan to add funds or reinvest, 19% intend to hold, and 26% plan to reduce or exit (as of November 12, 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 Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.