Key 2025 Achievements and a Look Ahead

2025 was truly a breakthrough year for SAVY.

Our platform grew not only in numbers – we strengthened our position as one of the most reliable non-bank financing alternatives by consistently focusing on loan quality, transparency, and responsibility toward our investors. This approach allows us to stand out across the fintech sector, which grew rapidly last year and gained increasing importance in the national economy.

SAVY’s growth in numbers:

• In 2025, we issued a total of €42 million in loans, which is 40% more than in 2024. This growth confirms that peer-to-peer lending solutions are becoming an increasingly important and mature financing alternative.
• · The total volume of loans issued reached €165.43 million, with €106.67 million already repaid to investors. In 2025 alone, investors earned €5.97 million, and over the entire lifetime of SAVY, returns have exceeded €24 million.

Key highlights:

• In 2025, we attracted another new institutional investor, while continuing to prioritize retail investors – more than 80% of all loans issued last year were financed by retail investor funds.
• We significantly expanded our real estate development loan offering by strengthening our team with Natalja Kozikienė, who has more than 15 years of experience in real estate project financing and joined SAVY as Head of Real Estate Business Development.
• We launched a loyalty program for investors, offering additional benefits for long-term engagement. The program is designed to express our appreciation for investors’ trust and to provide valuable insights and tools to help achieve even better investment results.

Key updates in the investor self-service platform:

• Secondary market updates
  We added more information about borrowers, updated investment search filters, and expanded data on purchased and sold investments, including investment dates. One of the most significant improvements is the auto-invest feature, now used by nearly one-third of investors.
  To further boost secondary market activity, we also began allocating additionalfunds for purchasing investments – investors are informed about terms and conditions via email.
• Enhanced auto-invest functionality
  Investors can set investment amount ranges from minimum to maximum. When creating a profile, the system shows how many loans matching selected criteria were issued in the past 30 days, helping to estimate the speed of capital deployment. For added convenience, automated strategies – from conservative to aggressive – are available to support return planning.
• Return analysis
  The “My Portfolio” section now includes real return (XIRR) and historical investment return (ROI) indicators. In the “Reports” section, a new calendar allows easy analysis of investment returns and secondary market data by month.
• Improved account security
  Two-factor authentication (2FA) has been implemented, along with login options via the SAVY mobile app, Google Authenticator, Smart-ID, and Mobile-ID.
• One login – multiple accounts
  With a single login, investors can conveniently manage multiple investment accounts and assign them individual names. Please note that up to three investment accounts can be held per individual and per legal entity.

Social responsibility

We continue to operate as a socially responsible platform. In 2025, together with our Investor Community, we donated €20,000 to Ukraine, of which €8,000 was contributed by SAVY. At the end of the year, we also provided Christmas gifts to children attending day centers run by the organization “Save the Children Lithuania”. In addition, we raised €5,000 for this organization, €1,000 of which was donated by SAVY.

Looking ahead to 2026

We enter 2026 with a clear direction – to continue growing, expand investment opportunities, and further strengthen SAVY’s position in the market. This year, our primary focus will remain on enhancing loan portfolio quality, broadening investment options, and improving overall investment convenience.

Once again, we sincerely thank you for your contribution to our shared journey, your trust, patience, and feedback – it enables us to continuously grow and improve.