Indemo 2.0: Our 2026 roadmap (Part II: mobile-first)
In this article, we continue sharing Indemo’s product development plan for 2026.
In Part I, we covered the initiatives focused on real liquidity and exit options, and better, more dynamic information about the discounted debt portfolios investors hold.
Today, we’re sharing the roadmap focused on a different (but equally important) goal: making Indemo the most convenient passive real estate debt investing app on the market.
Just like Part I, this roadmap was created directly from the feedback we’ve been hearing most consistently from our investors over the last months. Your feedback helps us strengthen Indemo, focus on what matters most, and set the right priorities.
What we cover in Part II
In this article (Part II), we’ll cover three major investor-facing initiatives, plus one behind-the-scenes operational upgrade that helps us scale faster:
Investor-facing initiatives
- AutoInvest 2.0 — planned (Q1 2026)
- Indemo app and main dashboard (mobile-first) — planned (Q2 2026)
- Brand new Indemo website (www.indemo.eu) — planned (Q1 2026)
Operational scaling (behind the scenes)
- Notes creation: operational automation — delivered (first week of February 2026)
Notes creation: operational automation (behind the scenes)
After we launched the “1 Note = 1 Debt instrument” model, the number of Notes listed on Indemo began to grow rapidly — reaching 30+ Notes per month. That growth was great, but it also exposed a major operational bottleneck.
What the process looked like before
Creating a new Note wasn’t just “listing it on the platform.” It required multiple manual steps:
- Entering the debt’s key details into the Indemo CRM
- Manually preparing five deal-specific template documents (including the Final Terms you see on every Note)
- Requesting an ISIN from Nasdaq CSD
Much of this work was manual or semi-manual, and it quickly became a blocker: it limited how many new Notes we could list — and it effectively tied listings to Nasdaq operational days, since each ISIN request typically took around two working days to be processed.
What we changed (December → early February)
To remove this bottleneck, we fully automated the Notes creation flow. Development started in December and was completed in the first week of February.
You may have noticed that the ISIN format changed slightly — that is a direct result of this automation and the new way requests are processed.
What automation enables now
The new flow allows us to:
- Generate document templates automatically from CRM data points (no more manual document assembly)
- Request ISINs 24/7 via Nasdaq API
- List more Notes more consistently
- Deliver additional parts of the same Debt faster when a Note sells out and investors ask for more
Bottom line: this is one of those “invisible” upgrades that has a big impact. It reduces manual workload, removes timing constraints, and increases how quickly we can bring new Notes (or additional supply) to the market. Just as importantly, it frees up our Operations team’s time — so those resources can be redirected to higher-value, community-facing work: better investor support, clearer communication, and faster handling of requests and feedback.
Status: delivered (first week of February 2026)
AutoInvest 2.0: a complete revamp for passive investing on Indemo
AutoInvest first launched with the initial version of Indemo in fall 2023. Back then, Notes were structured differently — each Note provided exposure to a basket of up to 8 debts — and AutoInvest was built around that model.
After we moved to “1 Note = 1 Debt instrument,” it became clear AutoInvest needed a redesign to fit the new product structure. At the same time, we’ve accumulated a large amount of community feedback on what would make the tool more convenient and more powerful for truly passive investing.
What’s coming in AutoInvest 2.0
AutoInvest 2.0 is designed to reduce manual work, increase control, and make passive strategies easier to run on Indemo. Key upgrades include:
- AutoInvest limits above your current balance — so you can set a target allocation without constantly adjusting it to match wallet availability
- Automatic “top-up” behavior via regular deposits — recurring deposits can keep AutoInvest investing without manual funding actions at the right moment
- Rules to avoid duplicate exposure — an option to prevent AutoInvest from investing into a Note if you already have exposure to the same discounted debt instrument
- More granular filters — better selection control, including factors like real estate location, type, recovery stage, and other instrument-level criteria
- A refreshed interface — updated UI to match how Indemo looks and works today
Bottom line
Indemo has been positioned from the very beginning as a platform for passive investing into real estate-backed debt — and AutoInvest is a must-have feature to deliver that promise. The goal of AutoInvest 2.0 is simple: set your preferences once, and let the “robot” consistently allocate into new opportunities that match your investment strategy and risk appetite, without having to monitor the market every day.
Status: planned (Q1 2026)
Later this year, the next AutoInvest upgrade (AutoInvest 3.0) will be released alongside the Secondary Market, introducing **AutoInvest Strategies** that support both buying and selling — including portfolio rebalancing and priority cash-out options.
Indemo app and main dashboard (mobile-first)
Our user statistics show that almost 90% of community members use Indemo on mobile devices — and they expect an app-like experience.
From the very beginning, we built Indemo on a strong technology foundation using modern front-end and back-end stacks, delivering the platform as a PWA (Progressive Web App). Now, based on the voice of our community (and as a thank you for helping shape Indemo), we’re taking the next step: launching Indemo as a native app, available in both the Apple App Store and Google Play.
Why this matters
A dedicated app will make Indemo an even more useful and convenient tool for passive real estate debt investing — and it will help investors stay engaged without needing to constantly check the platform manually. In particular, it enables more reliable, timely notifications for key events such as:
- Debt repayments
- Recovery Flow stage updates
- New investment opportunities listed
- AutoInvest activity notifications
- Other important portfolio events
Introducing the main dashboard
As we move toward a mobile-first experience, we’ll also introduce a new investor main screen (dashboard). It will provide a clear snapshot of what matters most at a glance, including:
- Portfolio NAV
- Loyalty level
- New opportunities that match your preferences
- Key updates and recent activity across your portfolio
Status: planned (Q2 2026)
Brand new Indemo website (www.indemo.eu)
The current version of www.indemo.eu has served us for almost three years — it was built even before the platform was live, when the site’s main purpose was a simple countdown to launch.
Since then, Indemo has evolved significantly: how we position the product, how we explain discounted debts, and how we communicate performance, risks, and the problem we solve. Today, the website needs to do far more than introduce Indemo — it should educate and guide new community members who are discovering discounted debts as a unique product and Indemo as the venue to access it.
Bottom line: that’s why we’re completely reworking the website — key pages, structure, and content — leveraging the most modern UX solutions and web experience trends, to better reflect where Indemo is now and where we’re going with Indemo 2.0.
Status: planned (Q1 2026)
Closing: we’re building Indemo 2.0 together
Everything you see in this roadmap is shaped by the same thing that has guided Indemo from the beginning: community feedback. Your comments, questions, and even frustrations help us prioritize what matters most and build a platform that truly works for passive real estate debt investing.
We’ll keep sharing updates as we ship each milestone — and we’d genuinely love to hear from you. Please share your comments and thoughts on the Indemo 2.0 plans: what you’re most excited about, what you want to see next, and what would make the biggest difference for your investing experience.
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This content is a marketing communication. It shall not be treated as investment advice, independent research or offer, recommendation or invitation to invest in the investment opportunities referred to herein. The content is not aimed at promoting services or products to persons based in jurisdictions where the distribution of said information would be illegal.
Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns. Indemo SIA shall not be responsible for any direct or indirect loss from using the provided information.