Indemo
Indemo is a regulated peer-to-peer (P2P) lending and investment platform based in Latvia, licensed by the Central Bank of Latvia. It specializes in offering investors access to discounted debt securities (non-performing loans, or NPLs) and traditional mortgage loans, primarily in Spain and other European markets. Investors can earn returns of 10% to 15.1% by purchasing "Notes" linked to specific real estate-backed debts. The platform is known for its transparency, strong risk management, and the fact that all investments are secured by real estate collateral. Indemo is designed to be accessible to both retail and institutional investors, with a minimum investment of just €10.