Started investing a month ago. Surprising how little factual information is available online about Twino, but maybe im not looking in the right places. Seems that Germany has a lot of investors for Twino. They've been in exsistence for 6 or 7 years now and everything looks ok. Haven't heared negative news yet, there are papers written by experts that raise concerns about P2P lending in general. Issues about being a piramid scheme and sustainability of the businessmodel in general; please make your own informed descision. The reviews online are good; returns are as promised although have dropped from an average of 12 to about 10.5% Still very good returns. The platform itself is still in the development stage somewhat i feel. Information about specific controls could be explained better. Overall, so far so good. I saw return on investments comming in from day one, so im on my way. I personally expect the P2P lending market to explode in the upcomming years, but Im no expert by any means, just a guy with some extra money, dont listen to me for financial advise. Just a gut feeling. People are sick of banks in general, and this way of lending seems better, although the interest rates are very high for the borrower on a short term loan. Well, thats it folks, everything is working as it should so far.
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