De vragen gesteld aan de bestuursvoorzitter

Gepubliceerd door Tom Lassing in Overig · maandag 03 nov 2025 · 8 minuten
Tags: vragen, antwoorden, beleid, toekomst

De vragen aan Evaldas Remeikis, CEO NEO Finance

1. About Trust & Regulation

NEO Finance operates under the supervision of the Bank of Lithuania – what does that mean in practical terms for an investor from the Netherlands?

Fully licensed & supervised entity. NEO Finance, AB is listed by the Bank of Lithuania as an electronic money institution (unlimited licence), P2P platform operator, consumer credit provider, and a listed issuer. This puts the company under ongoing prudential and conduct supervision (fit-and-proper, capital, reporting, audits, AML, complaints handling). Lietuvos bankas

Dispute escalation. If an issue isn’t resolved with the platform, consumers can use the Bank of Lithuania’s out-of-court dispute resolution (free of charge)

How does NEO Finance ensure the safety of investors’ funds, especially in times of economic uncertainty?

Two different “pots” to separate clearly:

Client money used for payments/e-money (top-ups, balances, transfers):

Safeguarded & segregated. EU/Bank of Lithuania rules require EMIs to keep client funds separate from company funds in safeguarding accounts at an EU credit institution or invest them in secure, liquid, low-risk assets. This is designed to be insolvency-remote from the platform. Lietuvos bankas
Ongoing oversight. These arrangements are part of the licence conditions and are supervised by the Bank of Lithuania. Lietuvos bankas

Investments in loans (P2P assets):

Structured under Lithuanian P2P regulation. NEO Finance is on the Bank of Lithuania’s list as a P2P operator; the law sets entry, conduct and disclosure requirements. Credit risk remains with investors, but platform operations are regulated. Lietuvos bankas
Risk-mitigation features. NEO Finance offers optional tools like a Buyback service (a+ 100 % grąžiname, kitiems reitingams skirtingi koeficientai nuotraukoje matosi)to reduce loss severity on defaults (at a cost). These are contractual platform features, not a guarantee by a state scheme. neofinance.com+1

Business continuity. The company publishes continuity and risk policies (e.g., conflict-of-interest policy; continuity plan), indicating procedures for operational resilience

What if Russia attacks Lithuania?

Geopolitical context (brief): Lithuania is an EU & NATO member; any attack would trigger EU/NATO mechanisms, but markets could face disruption. (This is a macro risk rather than a platform-specific one.)

Operational & financial implications for investors to understand:

Safeguarded client money: By EU rule, safeguarding accounts must be with an EU credit institution and may be in Lithuania or another EU Member State. Segregation aims to protect client balances from the platform’s creditors even in stress. However, short-term payment rails (e.g., local clearing) could be disrupted in an extreme scenario, which may delay access/settlement even if funds remain segregated. Lietuvos bankas
P2P loan assets: Your loans are claims on Lithuanian borrowers. In a war scenario, credit performance and collections could deteriorate; courts/enforcement may slow; recovery values could drop. Optional protection features (e.g., buyback) depend on the platform’s ability to perform under stress and are not sovereign guarantees. neofinance.com
Regulatory stance & continuity: The Bank of Lithuania supervises EMIs/P2P operators and sets business-continuity expectations; NEO Finance publishes continuity/risk documents. Yet force-majeure risks (infrastructure, sanctions, banking connectivity) cannot be fully eliminated.
Serveriai yra ne LT, tas leidžia užtikrinti, jog platforma “nepaluš”. IT infrastructure is located in Germany (master) and in Lithuania (slave) to ensure the business continuity of the platform itself and all the IT services.

2. About Returns & Risk

What would you consider a realistic annual return for a well-diversified portfolio on NEO Finance?

Arround 10-12%

How does NEO Finance handle late payments or defaults? What are the actual steps when a borrower stops paying? ( added more follow -up interactions as previously only voice message was in use mostly, Olga)

Stage

Delay (Days)

Action Taken

3 days before due date

—

Email and SMS reminder

1st day of delay

Email and SMS reminder

4th day of delay

Email and SMS reminder

5th day of delay

Voice message

8th day of delay

Email and SMS reminder

10th day of delay

Voice message

15th day of delay

Email and SMS reminder

20th day of delay

Email and SMS reminder

25th day of delay

Voice message

30th day of delay

Email and SMS reminder

31st day of delay

Reporting to Creditinfo (credit bureau)

35th day of delay

Email and SMS reminder

37th day of delay

Voice message

41st day of delay

Case transferred to a debt collection agency

Are there specific loan categories or risk levels that you would recommend for beginners who are just starting to invest?

Start conservative. For new investors, we recommend starting with A and B rated loans, which represent borrowers with stronger credit histories and stable income.

These categories offer lower volatility and still competitive returns of around 5–7% annually.

Use the Auto-invest tool to diversify automatically across hundreds of loans — this helps minimize exposure to any single borrower.

Once you gain confidence and experience, you can gradually add C-rated loans or small portions of Buyback-protected loans to raise yield.

Key principle: Diversify widely, reinvest repayments, and monitor performance monthly.

3. About the Platform Itself

What makes NEO Finance different from other European crowdfunding platforms?

Licensed as an Electronic Money Institution (EMI) – supervised directly by the Bank of Lithuania (EU-level licence, passported across the EU) with Full in-house infrastructure.

This allows us to safeguard investors’ money under strict EU e-money rules — unlike most P2P platforms that rely on third-party payment partners.

NEO Finance manages borrower onboarding, credit scoring, loan servicing, payment processing, and recovery internally.
No outsourcing — meaning faster decisions, higher data accuracy, and better control of risk.

Transparency & public listing.

NEO Finance, AB is a public company listed on Nasdaq Baltic, audited annually, and publishes financial results openly.
Investors can verify both the company’s financial health and performance metrics.

Track record & experience.

Operating since 2015, with over €250M+ in loans funded and thousands of active investors.
Proven resilience through different economic cycles (COVID, inflation, interest rate changes).

Optional Buyback & protection mechanisms.

Unique to NEO Finance’s model — investors can select the Buyback service, which repurchases defaulted loans after a defined delay period, improving cash flow stability.

Could you explain how the Auto Invest function works and how much control investors still retain when using it?

Auto Invest is designed to make investing efficient, diversified, and data-driven, while keeping the investor in full control.

How it works:

Investor sets the rules.

Choose your preferred risk categories (A–C), interest rate range, loan term, buyback option, and maximum amount per loan.

The system executes investing actions automatically following set investor rules.

Whenever a new loan matching your criteria appears, the system invests instantly — no need to log in daily or compete with others for availability.

You stay in control.

You can pause, edit, or delete your Auto Invest strategy anytime.
You can also manually invest in specific loans if you wish.

Diversification advantage.

Auto Invest typically allocates across hundreds of borrowers, reducing risk concentration and ensuring more stable long-term re

4. About Long-Term Vision

How do you see the future of P2P lending in Europe, and what role does NEO Finance aim to play in that future?

The European P2P market is entering a maturity phase.

Regulation is increasing, investors are demanding more transparency, and platforms need to show sustainable, compliant growth rather than just high returns.

We aim to be among the top regulated P2P platforms in Europe, known for trust, transparency, and risk discipline.

With our electronic money institution licence, we can bridge the gap between traditional finance and fintech investing — providing investors with secure access to consumer credit returns.

The focus is on steady, long-term profitability, not speculative growth.

Will NEO Finance develop an app in the future?

Yes, in the near future.