TWINO is a peer-to-peer lending platform based in Riga, Latvia, founded in 2015. It offers investments in asset-backed securities and unsecured consumer loans across Europe, primarily targeting retail investors. TWINO provides an automated investing experience with tools like Auto-invest. The platform is licensed and supervised by the Bank of Latvia, ensuring compliance with EU financial regulations. TWINO's unique selling proposition is its accessible and diversified investment opportunities, allowing retail investors to invest with as little as 1. Its services are available in multiple languages, catering to over 20,000 investors across more than 30 countries[1][3][5].