Twino is a European peer-to-peer lending platform that connects investors with borrowers, facilitating loans across various markets. Founded in 2009, Twino provides individuals the opportunity to invest in consumer loans and earn returns by funding loans to creditworthy borrowers. The platform offers various investment options, including short-term, personal, and business loans, with the potential for high returns. Investors benefit from features like buyback guarantees, which mitigate risk by ensuring that if a borrower defaults, Twino repurchases the loan. By leveraging technology and data analytics, Twino aims to provide a transparent, secure, and efficient lending environment, making it accessible for both seasoned investors and newcomers.