Twino is a p2p platform. You lend money to private persons and they pay you back with 12 % interest per year. With my link you get a bonus of 15 Euro when you invest 100 Euro. Twino has an autoinvest, meaning that you don't have to pick credits in which you want to invest - you define a scheme and the autoinvestor picks the credits accordingly. So you can just deposit your money and let it grow over the years.