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Indemo
Latvian real-estate debt P2P regulated by the Bank of Latvia, from €10.
About the platform.
Indemo is a Latvian P2P platform regulated by the Bank of Latvia, focused on discounted real-estate debt. Launched in 2022, it offers €10 minimums, auto-invest, and exposure to mortgage-backed loans across the EU — with the regulator providing more oversight than typical loan-originator P2Ps.
Strengths & cautions.
Pros
- Bank of Latvia regulated
- €10 minimum
- Mortgage-backed underlying loans
- Auto-invest available
- Clear loan-by-loan documentation
Cons
- Short track record (launched 2022)
- Withdrawal/support delays reported
- Smaller deal flow than mature platforms
Investor reviews.
Reviews from our users
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Investmentmöglichkeiten sind ausreichend vorhanden. Attraktive Zinssätze. Tolle Cashbackaktionen- wobei man den Cashback sofort wieder investieren muss. Als Hauptproblem empfinde ich die nicht vorhandene Liquidität meiner Investitionen. Es gibt keinen Zweitmarkt oder Buyback. Leider weiß man bei keiner Investition wie lange es bis zum Verkauf dauert.
At the same time I have to make a transfer to the deposit account to be able to withdraw the money. When I make a transfer, you constantly make a refund. And the tech support doesn't see anything and can't help as always. It's a bad thing and it's very bad when you don't want to take my money.
$34d
The platform is ok and intuitive enough, however I really miss not having some kind of forecast with dates. The stage lines are useful to see overall progress, but many months go by with absolutely no updates whatsoever. The investor has no idea, albeit approximate, of when an asset will reach complete resolution.
J'aimerai bien que vous ayez une version française pour que je puisse mieux vous lire
While there is basic property info, there is a complete lack of progress updates. A full year has passed without any asset movement or a single word on development. Providing a brief update on actions done shouldn't be this difficult. If this continues, I will have no choice but to withdraw from the project.
A complete waste of time. Indemo had me jump through hoops, providing sensitive personal documents and "extra info," only to reject my application with a generic "internal policy" excuse. If I weren't eligible, that should have been clear before they collected my private data. Avoid if you value your privacy and your time.
Gute Informationsarbeit
Awful experience. I am in the process of extending my work permit in Germany but Indemo have suspended my account until I provide a copy of the work permit card - but this can take many months to get. They do not accept my passport and Fiktionsbescheinigung as proof of ID, despite this being accepted at border control and other financial services I used. Also customer support just ignores emails. Do not trust your money with this joke company!
Ewerything is going smoth, but the returns still have to wish better. I understand the meaning of time in such kind of investments, but the reall returns still are to small.
Im ok with it till now.Hope it stays in a positive way.