TWINO

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TWINO is a fully licensed and regulated investment marketplace headquartered in Riga, Latvia, founded by Armands Broks in 2015. The platform gives retail investors across 30 European countries access to consumer, business, real estate loans, and invoice financing, with average returns around 10–12% per year. TWINO holds an investment brokerage licence from the Central Bank of Latvia and is supervised under MiFID II. It has facilitated over €1 billion in cumulative loan volume and employs over 300 people worldwide.

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