Indemo
Indemo is a regulated investment platform based in Riga, Latvia, founded in 2022 and launched in 2023. Licensed by Latvijas Banka (the Central Bank of Latvia) under MiFID II, it specializes in real estate-backed investments through two unique products: mortgage loans and discounted debt investments (non-performing loans acquired from Spanish banks). The platform differentiates itself by offering access to institutional-grade debt investments typically reserved for large investors, with a minimum investment of just 10 euros.
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Indemo in real numbers
Anonymized statistics from all Indemo portfolios tracked on P2P Dash — real investor data, not the platform's marketing numbers.
Median net return (XIRR)
6.0%
Based on 206 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 128 stated strategies
Combined portfolio value
€2,292,721
Investors on P2P Dash
442
Interest earned all-time
€27,578
Median cash drag
1.1%
Share of funds sitting uninvested
Compare Indemo head-to-head
Frequently asked questions about Indemo
Answers based on anonymized community data from P2P Dash investors.
What is Indemo?
Indemo is a peer-to-peer lending platform, founded in 2022 (headquarters: Latvia). On P2P Dash, investors import their Indemo account statements to track the real net return they earn there.
What return do investors actually earn with Indemo?
Across 206 Indemo portfolios tracked on P2P Dash, the median net return (XIRR) is 6.0%. The middle 50% of investors earn between 3.7% and 10.4% (as of July 15, 2026).
How many investors track Indemo on P2P Dash?
442 investors track their Indemo portfolios on P2P Dash, with a combined portfolio value of €2,292,721 and €27,578 in interest earned all-time.
How does Indemo rank among P2P platforms?
Indemo ranks 23 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Indemo?
Of 128 stated strategies for Indemo, 43% plan to add funds or reinvest, 29% intend to hold, and 28% plan to reduce or exit (as of July 15, 2026).
Is Indemo regulated?
Yes, Indemo is a regulated platform supervised by Latvijas Banka.
Does Indemo offer a buyback guarantee?
No, Indemo does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Indemo portfolio?
Export your transaction history from Indemo (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more — across all your P2P platforms in one dashboard.