What VIAINVEST does

VIAINVEST (SIA Viainvest) is a Riga-based, Latvijas Banka-licensed investment platform that provides European retail investors with access to fixed-income returns through asset-backed securities backed by consumer loan portfolios. Securities are issued by the group's captive issuer (SIA VIAINVEST Assets), assigned ISIN codes via Nasdaq Riga, and are linked to loan originations from VIA SMS Group entities in Latvia (SIA VIA SMS), Sweden (Viaconto Sweden AB), Czech Republic (Via SMS s.r.o.), and Romania (IFN VIACONTO MINICREDIT S.A.). The platform combines manual investment selection with an Auto-invest engine featuring pre-defined Active and Diversified strategies, and supports investor onboarding through self-service KYC, SEPA funding, and TOTP-based two-factor authentication.

The business operates a zero-fee model for investors across deposits, withdrawals, and investment transactions; revenue is generated within the broader VIA SMS Group ecosystem rather than through direct platform fees. Investor funds are held in segregated accounts at BluOr Bank AS, and the platform is a member of the Investor Protection System established under EU Directive 97/9/EC with compensation up to EUR 20,000 per investor. As of July 2026, the platform had surpassed 48,000 registered investors, facilitated EUR 750M in cumulative invested volume, and paid EUR 23M in interest, targeting advertised returns of up to 13.3% annually.

VIAINVEST's go-to-market is product-led and content-driven: educational articles, multilingual support (English, Latvian, German), and engagement with investment content creators and industry events such as INVEST 2026 in Stuttgart. The platform is restricted to EEA citizens and residents aged 18+, and serves a self-directed retail segment seeking passive income and fixed-income diversification outside traditional banking products. Headcount is in the 11-50 range, and the company is privately held under the VIA SMS Group umbrella.

Name

VIAINVEST

Legal name

SIA Viainvest

Website

https://viainvest.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

VIAINVEST is a Riga-based, Latvijas Banka-licensed investment platform that provides European retail investors with access to fixed-income returns through asset-backed securities backed by consumer loan portfolios originated across Latvia, Sweden, Czech Republic, and Romania by VIA SMS Group entities.

Ownership category

akta.pro rank

Headquarters

HQ city

Riga

HQ country

Latvia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Platform fees from investment services: VIAINVEST does not charge investors fees for investing, deposits, or withdrawals. The platform generates revenue from the overall business operations as part of the VIA SMS Group ecosystem. As a regulated investment firm, the company earns income from facilitating investment transactions in asset-backed securities.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

VIAINVEST operates a regulated European investment platform (licensed by Latvijas Banka, License 27-55/2023/2) that distributes asset-backed securities linked to consumer loan portfolios originated by non-bank lenders within the VIA SMS Group. Retail EEA investors onboard through online KYC, fund accounts via SEPA transfer, and invest manually or through Auto-invest automation, with target returns up to 13% annually and investor protection up to €20,000 under EU Directive 97/9/EC.

Product overview

VIAINVEST is a regulated European investment platform operated by SIA Viainvest (licensed by Latvijas Banka, license number 27-55/2023/2) that provides access to fixed income investments through asset-backed securities linked to underlying consumer loan portfolios. The platform serves as a marketplace connecting investors with loan originators including SIA VIA SMS, Viaconto Sweden AB, Via SMS s.r.o., and IFN VIACONTO MINICREDIT S.A. The core product portfolio consists of Asset-Backed Securities Investment Products offering returns up to 13% annually, which investors can access through two primary modes: Manual Investment (for self-directed selection of individual offers) and Auto-invest (for automated, criteria-based allocation). The platform also provides an Investor Dashboard for portfolio management, a Two-Factor Authentication security feature, an Investment Protection System (up to EUR 20,000 per investor under EU Directive 97/9/EC), and educational resources via the Learn Section. A Performance Tool is announced as an upcoming feature.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset-Backed Securities Investment Product Regulated investment instruments issued by SIA VIAINVEST Assets and assigned ISIN codes by Nasdaq Riga, each linked to an underlying consumer loan portfolio from group-originators such as SIA VIA SMS, Viaconto Sweden AB, Via SMS s.r.o., and IFN VIACONTO MINICREDIT S.A. Each security carries defined terms, an expected annual interest rate (up to 13%), and a maturity date. Available to EEA citizens and residents aged 18+ who complete online KYC and fund accounts via SEPA transfer.
• Auto-invest Automated investment tool for VIAINVEST investors that lets users set personalised criteria (remaining term, interest rate, investment amount) to allocate capital into matching asset-backed securities. Includes pre-made Active and Diversified strategies that rebalance to available offers without manual oversight, designed for passive-income investors.

Quantifiable outcome

• Up to 13.3% annual returns
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• VIA SMS GroupcoreStrategic or Co-development PartnerParent company of VIAINVEST. VIA SMS Group is an alternative financial services provider operating across Europe. VIAINVEST is part of the group and acts as both investment platform and loan originator through VIA SMS entities, ensuring alignment of interests and operational integration.
• SIA VIAINVEST AssetscoreStrategic or Co-development PartnerIssuer of asset-backed securities published on VIAINVEST platform. Subsidiary of VIA SMS Group that acquires claims against loan originators and issues securities backed by underlying loan portfolios.
• SIA VIA SMScoreStrategic or Co-development PartnerPrimary loan originator in Latvia. Part of VIA SMS Group that originates consumer loans which are then securitized and offered to investors on the VIAINVEST platform.
• Viaconto Sweden ABcoreStrategic or Co-development PartnerLoan originator in Sweden operating under VIA SMS Group. Consumer loans originated by Viaconto Sweden are bundled into asset-backed securities available on VIAINVEST.
• Via SMS s.r.o.coreStrategic or Co-development PartnerLoan originator in Czech Republic operating under VIA SMS Group. Consumer loans originated are securitized and offered as investment opportunities on VIAINVEST.
• IFN VIACONTO MINICREDIT S.A.coreStrategic or Co-development PartnerLoan originator in Romania operating under VIA SMS Group. Consumer credit loans are bundled and offered as asset-backed securities on VIAINVEST.
• BluOr Bank ASsupportingOthersLatvian bank that holds investor funds in segregated accounts separate from company operations. VIAINVEST investor funds are held at BluOr Bank AS for security and compliance.
• Latvijas BankacoreOthersCentral bank of Latvia that licenses and supervises VIAINVEST as an investment firm (License number 27-55/2023/2). Provides regulatory oversight and investor protection framework.
• Nasdaq RigasupportingTechnology or IntegrationProvides International Securities Identification Number (ISIN) for asset-backed securities issued on the VIAINVEST platform, enabling standardized identification and trading.

Scale indicators14 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PeerBerry: European P2P platform backed by Aventus Group, offering short-term consumer and business loans to retail investors. Comparable product structure, buyback guarantees, and cross-country consumer loan exposure make it a direct European peer.
• Robocash: European/CIS-focused P2P platform offering retail access to short-term consumer loan portfolios across multiple geographies. Comparable consumer-credit-backed investment product, multi-country originator model, and retail yield-seeking audience.
• EstateGuru: European real-estate-backed P2P investment platform operating across multiple EU jurisdictions. Comparable in regulatory positioning (licensed under EU investor protection), self-serve retail investing UX, and automated investment tools, though focused on real estate rather than consumer loans.
• Mintos: Latvian-regulated P2P investment platform offering retail investors access to consumer and business loans across multiple European originators. Most direct peer — same jurisdiction, similar ABS/loan-backed investment product, comparable investor-protection regime, and overlapping loan-origination geographies.
• Twino (formerly VIAINVEST-related ecosystem): European P2P investment platform offering retail investors exposure to consumer loans from multiple originators. Highly comparable product offering, geographic footprint (Latvia-headquartered), and target retail yield-seeking customer.
• Bondora: Estonian-headquartered European P2P lending platform offering retail investors access to consumer loan portfolios with Go & Grow automated products. Direct competitor in retail passive-income P2P investing with similar regulatory positioning under EU investor protection.
• Lenndy: Lithuanian-headquartered P2P business lending platform offering retail investors returns from SME loan portfolios. Comparable in Baltic-region regulated alternative-investing positioning, though focused on business rather than consumer credit.
• Debitum Securities: European licensed investment platform offering fractional access to business loans and asset-backed securities to retail investors. Direct comparable on ABS structure, regulated EU platform model, and retail passive-income use case.

Broad incumbents

• Zopa: UK-headquartered digital consumer-lending and investment platform offering fixed-return savings/investment products. Comparable in retail-investor fixed-income alternative-lending positioning, though operating as a broader incumbent with banking license and deposit products.
• Funding Circle: UK-listed/large-scale P2P/SME lending incumbent operating across multiple European markets with institutional and retail investor access. Comparable business model of intermediating loan portfolios to investors, but at materially greater scale and broader product scope than VIAINVEST.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@TenguInversor
• Xx.com/VIAINVEST_
• Facebookfacebook.com/viainvestp2p

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VIAINVEST