Uniting to Shape the Future of Regulated Fintech

Six of Latvia’s leading investment platforms—LANDE, INDEMO, VIAINVEST, NECTARO, DEBITUM INVESTMENTS, and TWINO—have joined forces to form an alliance dedicated to advancing transparency, trust, and innovation in the fintech industry. Together, we are setting a new standard for investor confidence and collaboration in Europe’s alternative financing market.

Regulation at the Core of Our Mission

As licensed platforms under MiFID II and ECSPR, we share a strong commitment to operating within a regulated framework that ensures transparency, accountability, and investor protection. We believe regulation is key to creating a secure and sustainable financial ecosystem—one that benefits investors, businesses, and the broader economy.

As proponents of regulation and supervised operations, we recognize the significant risks posed by platforms operating in unlicensed or grey areas. One of our key priorities is to encourage the transition of the P2P and alternative investments industry into a fully regulated and supervised framework, establishing a level playing field with uniform rules for all participants.

What We Represent

Individually, each of our platforms has achieved impressive milestones. Together, we amplify our impact:

• Over 143,000 investors across Europe trust us to help grow their portfolios.
• Collectively, we have financed more than €1.81 billion in projects, spanning real estate debt, agriculture, consumer loans, and business loans.
• We are committed to delivering high-quality, secure, and innovative financial services within a regulated framework.

Backed by Institutions That Believe in Innovation

The success of this alliance is built on the foundation of Latvia’s progressive approach to fintech. The Bank of Latvia has fostered a balanced regulatory framework that supports both oversight and growth. Meanwhile, organizations like the Investment and Development Agency of Latvia and the Fintech Latvia Association play a crucial role in promoting our sector on the global stage. Their support enables us to participate in international events, showcase Latvian fintech innovation, and build stronger connections with investors across Europe.

A Shared Vision for the Future

Our alliance is more than a collaboration—it’s a statement of shared values and commitment. We believe that by working together, we can set new benchmarks for trust, transparency, and innovation in the fintech industry.

As a group, we aim to inspire confidence in investors and demonstrate the benefits of a regulated, secure investment environment. Our combined strength ensures that we are ready to meet the challenges of a rapidly changing market while continuing to deliver value to our investors.

Together, we are shaping the future of investment fintech—one that prioritizes integrity, innovation, and collaboration.

Signed,
LANDE, INDEMO, VIAINVEST, NECTARO, DEBITUM INVESTMENTS, and TWINO

This is a marketing communication and should not be interpreted as investment research, advice, or an endorsement to invest. The historical performance of financial instruments is not indicative of future outcomes. Investing involves risks; the value of investments may fall as well as rise. Be sure to assess your knowledge, experience, financial situation, and investment goals before investing.