As Twino is a regulated marketplace, your uninvested funds and investments in sets of loans (asset-backed securities) are protected by an investor compensation scheme. Read more about the protection here.
As all loans placed on Twino marketplace come with a buyback obligation. This means that your defaulted or 60 days + late loans will be repaid by the lending company.
Assignment of loan receivables - an investor has legal rights to the proceeds from particular loans even if the lending company defaults or ceases to exist