Debitum Flow FAQs: your questions answered

We launched Debitum Flow less than two weeks ago.

Since then we’ have collected the most common questions from our community in one place, from withdrawal limits to interest, liquidity and the Loyalty program.

1. How much can I invest in Debitum Flow?

You can invest from €10. The maximum investment is €5000 per Note available through Debitum Flow.

2. Can I withdraw from Debitum Flow instantly?

You can request a withdrawal at any time, but it is not processed instantly.

Up to €1000 may be eligible for next-day withdrawal. The weekly withdrawal request limit is €5000, including the amount eligible for next-day withdrawal.

The actual payout timing depends on available liquidity, weekends, public holidays and processing times.

3. Is my Debitum Flow withdrawal guaranteed?

You can submit a withdrawal request at any time, but the payout amount and timing depend on available liquidity.

Requests are processed on a first-in, first-out (FIFO) basis. If part of your request cannot be paid immediately, it stays in the queue and continues earning interest until settled.

4. Do my Notes earn interest while my withdrawal request is pending?

Yes.

The amount that remains invested continues to accrue interest until it is paid out.

5. Can I receive a €1000 withdrawal every day?

The €1000 limit is not a daily payout allowance.

You can submit withdrawal requests on any day, but payouts follow a two-stage weekly cycle:

• Up to €1000 may be processed through the next-day withdrawal cycle.
• Up to €5000 is processed through the weekly withdrawal cycle.

For example, if you request €5000, this does not mean you can receive €1000 each day for five days. Up to €1000 may be paid as a next-day withdrawal, while the amount up to €5000 is paid within the weekly withdrawal cycle, subject to available liquidity. Both stages are subject to available liquidity.

6. Are withdrawals dependent only on new investments into Flow?

Withdrawal requests are processed in a FIFO queue, with new investments into Debitum Flow providing liquidity for withdrawals. However, this does not mean that withdrawals are fully dependent on new investments.

Liquidity for Debitum Flow is also supported by a dedicated liquidity buffer provided by the financing partner, which is maintained specifically to support withdrawal requests and provide an additional source of liquidity for investors. This buffer represents a dedicated “skin in the game” commitment from the financing partner.

Together, these mechanisms are designed to support early withdrawals before maturity. However, Debitum Flow remains an investment, not a bank deposit, and withdrawals depend on the available liquidity at the time of the request.

7. Why invest in Flow if the return is 8% p.a.?

8% p.a. is not meant to be the highest return on the market. Debitum Flow is designed to offer a balanced combination of return, long-term investing and greater access to your money.

You invest in asset-backed Notes through a regulated platform under MiFID II, earning 8% p.a. with daily interest payments. At the same time, you can request a withdrawal before maturity with no exit fee.

One of the key benefits of Flow is its clear and transparent withdrawal structure. The withdrawal mechanism, processing order and payout logic are clearly defined and visible, so investors can understand how their request will be handled. 

The value of Flow is not only the 8% return, but the combination of a defined return, regulated investment structure and a clear, transparent mechanism for requesting an exit before maturity. As with any investment, investment and liquidity risks still apply.

8. Is the €1000 next-day withdrawal guaranteed?

Flow uses a two-stage withdrawal cycle designed to give investors structured access to their money before maturity.

From your total withdrawal request, up to €1000 can be processed through the next-day withdrawal cycle, while amount up to €5000 is processed through the weekly withdrawal cycle.

The €1000 is therefore a next-day withdrawal limit, not a guaranteed payout. Both stages depend on available liquidity, but the process itself is clearly defined and transparent, so investors can see how their withdrawal request will be handled.



9. Do Debitum Flow investments count towards my Loyalty Program tier?

Yes.

Investments through Debitum Flow count towards your Loyalty Program tier and can help you reach the next one.

However, the Loyalty boost applies only to eligible primary market investments made through the Invest page, not to investments made through Flow.

For example, if you invest €6000 through Flow and reach the Investor tier, your next eligible primary market investment can receive the +0.50% p.a. Loyalty boost. Your Flow investments will continue counting towards your next tier, but they will not receive the boost themselves.

Still have a question about Debitum Flow? 

Check the full Debitum Flow information here or reach out to our support team.

Your capital is at risk. Early redemption is subject to available liquidity and may take longer than expected; your investment may remain invested until maturity. Base prospectus and final terms: LFDF II, Baltic Terra. Read the prospectus before making an investment decision.

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.