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🌟 Indemo is revolutionizing the market: Reviews of “Flow 2.0,” “1 Note:1 Debt,” and Cashback

Comprehensive analysis of Indemo's major updates: new “Flow 2.0” interface, “1 Note:1 Debt” for greater control, and an aggressive cashback offer.
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🚀 Indemo is revolutionizing the industry with “Flow 2.0,” “1 Note: 1 Debt,” and Cashback.


The Indemo platform has been particularly active, announcing three major developments: an aggressive cashback offer for Black Friday, a new way to track investments (“Flow 2.0”), and, most importantly, a complete overhaul of its investment structure (“1 Note: 1 Debt”).

Let's analyze these points one by one.


🏗️ The “1 Note: 1 Debt” Revolution


This is the most significant and eagerly awaited change. Indemo is abandoning its old structure.

  • Before : 1 “Note” (the financial product you purchased) grouped together several debts (NPL).
  • Now : 1 “Note” will only contain one debt.


This change, requested by nearly 99% of the community and approved by the Latvian regulator, gives you complete control over your portfolio. You now know exactly which asset you are investing in.


What this means for you :

  • Price transparency : The price (PTV - Price-to-Value) is now directly linked to the stage of recovery of this unique debt, making the assessment much clearer.
  • Better diversification : You can manually select your assets one by one. To help you, new filters (by legal stage, and soon by region and property type) have been added.
  • Existing investments : Don't panic, your old multi-debt “Notes” will continue to function normally. Only new opportunities will adopt this format.
  • Secondary Objective : This is a crucial and essential step before launching the secondary market.


At the same time, the interface has been completely redesigned: item cards are more visual (with thumbnails and descriptive names), the card displays items individually, and portfolio pages have been optimized.


📊 “Flow 2.0”: Transparency in Tracking


To support the transition to “1 Note: 1 Debt,” Indemo has completely redesigned the visual monitoring of the collection process.

The old “Flow 1.0” was criticized for being too vague. “Flow 2.0” brings radical clarity :

  • Detailed process : We move from a handful of steps to a comprehensive 24-step process.
  • Visual and Proportional : The new progress bar is now proportional to the estimated real time for each step. You can see at a glance whether a step is short or long.
  • Clarity through color : The main phases (preparation, bidding, etc.) are differentiated by color codes.
  • The key step added : Indemo has added a crucial intermediate step called “Debt Purchase Registration” (DPR). This is the administrative step where the debt is registered with the court in the name of the new purchaser. Previously, an investment might appear to be “stuck” for no reason; now, you will see that the DPR step is in progress, which justifies the wait.


This new “Flow” applies to both new and old notes. For the time being, it only represents the judicial recovery scenario. The platform plans to add alternative “Flows” (amicable settlements, secondary market sales) when the secondary market launches in the first half of 2026.



🎁 Black Friday Month Cashback


Let's start with the most urgent offer. Indemo has launched a cashback campaign for the entire month of November.

  • Period : November 3 to 30, 2025 (11:59 p.m. GMT).
  • How it works : Cashback is instant, cumulative, and applies to both new funds and reinvested funds.
  • The Levels (cumulative) :
    • 2.5% for investments between €250 and €1,499.
    • 4% for investments between €1,500 and €4,999.
    • 5% for investments of €5,000 or more.
  • VIP Offer : If you plan to invest €20,000 or more, Indemo invites you to contact support for a special offer.


The key word here is “cumulative.” If you invest €1,000 (tier 1), then €500 later (passing the €1,500 threshold), the 4% rate will apply to the entire €1,500.


Please note: Cashback received cannot be withdrawn directly. However, when you receive repayments on loans purchased using this cashback, these funds (principal + interest + cashback) become fully available.



🧐 My Opinion on these Updates


It's simple : it's the most significant update to Indemo since its launch.

  1. On “1 Note: 1 Debt” : This is a game changer. The vagueness of multi-debt “Notes” was the main criticism levelled at the platform. This change solves everything: price transparency, clarity of diversification and, above all, it finally unlocks the possibility of a secondary market. It proves that Indemo has listened to its community.
  2. On “Flow 2.0” : This is an example of the best in transparency in P2P. Managing expectations is crucial in NPL (non-performing loan) investing. By displaying a progress bar proportional to time and adding the “DPR” stage, Indemo brilliantly answers the question that every investor asks: “Why is my money stuck at this stage?”
  3. About Cashback : The offer is aggressive, especially the 5% tier. The fact that it is cumulative and applies to reinvested funds is excellent for existing investors. It's a great opportunity to boost your portfolio this month.


Conclusion : These updates are not cosmetic; they change the fundamental logic of the platform. Indemo is evolving from a “black box” product to a fully transparent, granular, and controllable product. This is a sign of immense maturity that greatly strengthens my confidence in their long-term vision.