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So from looking at it twino is unsecured consumer lending? That seems pretty risky.

• akvadrako 9y ago
  They charge much higher rates and have a good balance sheet, without much leverage. It’s not likely all their customers default at once, so the risk is lower then most instruments.
  • frgtpsswrdlame 9y ago
    >It’s not likely all their customers default at once, so the risk is lower then most instruments. I mean I would question this. Of course that's true in a good economy but it's not true at all in a bad economy. To invest in this I think you need to ask what actually happens if there is a downturn.