robo.cash AI Overview on 09/2025

Overview of Robo.cash 📈

Robo.cash is a Croatia-registered P2P lending platform (launched 2017) offering automated investments in short-term consumer and business loans. It is part of the UnaFinancial (ex-Robocash) group, with a diversified footprint in Europe and Asia. Investors can earn high interest (roughly 8–12% p.a. advertised) plus loyalty bonuses, and all loans carry a 30-day buyback guarantee to protect against defaults. The key advantages are low entry (invest from €1), no investor fees, and fully automated portfolio tools. Main risks include credit risk (if loan originators or the group fail) and no regulatory oversight – Robo.cash is unlicensed (no deposit insurance)⚠️. Investors should also consider liquidity (limited loan supply can cause idle cash) and FX risk (platform deals only in EUR, no ruble exposure) when deciding.

Robo.cash Products and Investment Model 💰

Robo.cash is a “peer-to-portfolio” lending platform: investors buy claims on loans issued by affiliated companies, not market-wide originators. Offered loans are mostly short-term consumer credits (e.g. payday or BNPL loans) plus some business loans to the group’s subsidiaries. Typical loan terms are 7–30 days for consumer loans (from Spain, Philippines, etc.) and up to 1–3 years for business loans (e.g. via Kazakhstan/Singapore entities). Interest rates vary dynamically (currently ~8–10.5% depending on term); advertised gross returns are up to ~12–14% including loyalty bonuses. Investors set criteria in an Auto-Invest tool (no manual loan picking). There are no fees to investors – deposits, withdrawals, auto-invest or secondary market trades are all free. Minimum deposit is €10 and individual loans can be funded from €1. Funds are held in a company account (not segregated in trust), so in a worst case a group insolvency could endanger investments. Other risks: loans may go unpaid beyond the buyback buffer, causing potential loss if the group guarantee is insufficient.

Robo.cash Company Profile 🏢

Robo.cash is operated by Robocash d.o.o. (Zagreb, Croatia). The platform’s founder is Sergey Sedov (Chairman, founder of Robocash Group), and it is majority-owned by the UnaFinancial holding. The key management are CEO Natalya Ischenko and CFO Ivan Adamovich. UnaFinancial is a large fintech group (Robocash Group) founded in 2013, with ~1,500 employees across 6+ countries. Loan origination is handled by subsidiaries or affiliates in the Philippines, Spain, Kazakhstan and Singapore, all within the same group. Robo.cash has no specific investment license or EU regulation – it is not supervised by Croatia’s financial watchdog or any central bank. The firm claims compliance with local laws, but investors should note that unlike licensed platforms (Mintos, Twino etc.), Robo.cash operates without formal oversight or fund segregation, relying instead on its corporate guarantees.

Robo.cash Volumes & Results (2023–2025) 💹

Robo.cash has seen rapid growth. By Q1 2023 the platform had ~30,000 investors and had funded about €600 million in loans. For full-year 2023 the platform financed roughly €700 million with zero defaults or late payments reported. Internal stats for 2023 show ~€712 million invested, €19.6 million paid in interest, and ~35,000 investors (average portfolio ≈€4,465 per investor). That implies an average net return around 9.7% in 2023. In 2024 the cumulative financed volume crossed €1 billion. In September 2024 alone, 321 new investors joined and €20 million was invested, earning ~€730,000 interest for investors. By mid-2025, the UnaFinancial group reported continued profit growth (US$7.0 m net income in Jan–Jul 2025) and rising loan disbursements (US$476 m in 7M 2025). Throughout, Robo.cash insists its return to investors averages ~9–10%, with loyalty tiers adding up to ~+0.3–1.3%.

Risk Management at Robo.cash ⚖️

Robo.cash does not accept third-party loans; it only lists loans from its own group affiliates. This gives it full visibility on borrowers and enables an internal two-tier guarantee: each loan has a 30-day buyback, and the UnaFinancial holding guarantees group solvency. Originator risk is thus largely in-house and monitored closely. The group conducts its own underwriting via each affiliate (Digido, Prestamer, etc.), using standard credit checks (per respective local regulations). Borrower risk is diversified by geography – loans come from multiple countries (PH, ES, KZ, SG) – and by keeping most loans short-term. There is no published external risk rating system (like Mintos rating), but Robocash makes audited financials available and holds investor webcasts to discuss loan quality. Notably, Robocash has claimed a clean track record through crises (no payment delays even during COVID/war). The platform also actively monitors portfolio performance on its dashboard and provides tax/account statements to investors. Key filters: loans to Russia are excluded – the former Russian affiliate (MFC Zaymer) was spun off in 2023, and management states “none of the money invested on Robocash is in any way transferred to or from Russia”.

Platform Functionality 🔧

Robo.cash is fully auto-invest – investors select criteria (countries, interest rate ranges, portfolio allocation) and the system deploys funds automatically. Five payout modes are offered (reinvest principal/interest or periodic payout) to match investor goals. A secondary market lets investors sell existing loans at a small discount (zero fees for buying/selling). The web dashboard (English/German/Spanish) shows your balance, loan portfolio, expected repayments and earned interest. Account statements and a tax report can be downloaded to help with filing. Robo.cash supports only EUR currency (no USD/RUB trading) and works 100% online (deposits/withdrawals via EU bank accounts only; credit cards are not accepted). The platform offers a loyalty program (Bronze→Platinum) that boosts yields by 0.3–1.3% for larger total investments. There is no insurance beyond buyback; however the Ultimatе Beneficial Owners are publicly disclosed and the group publishes annual reports to bolster transparency.

Platform Pricing 📊

For investors, Robo.cash is fee-free. There are no entry, management, performance or exit fees. Deposits and withdrawals cost €0, and Auto-Invest/secondary-market trades incur no charges. Loans are offered at net rates – borrowers pay interest (8–12.5%) that goes directly to lenders. Fundraisers/originators likewise pay no listing or success fees to Robo.cash (all origination costs are borne by the lending companies themselves). The pricing model is fully transparent: 100% of the interest yield accrues to investors, and Robo.cash earns via its parent’s financial business. This clear structure (no hidden fees) is highlighted in official materials.

Negative publicity about Robo.cash 🚩

Robo.cash has no major regulatory sanctions or fraud scandals on record. However, some red flags and criticisms have emerged: in early 2023 the platform restricted loan supply, warning that not all new deposits could be immediately invested. This “cash-drag” led to investor complaints on Trustpilot (e.g. “funds sat idle” or even a reversed deposit). The company lowered interest rates on longer loans at that time and focused on internal adjustments, which some saw as worrying. In late 2024 Robo.cash reaffirmed it would continue with “moderate” loan volumes, acknowledging fewer new investors joined (5,900 in 2023 vs higher prior). Critics point out the unregulated status and lack of separate custodial accounts as inherent risks. On the positive side, Robo.cash stresses a 0% default and late payment record and the strong backing of UnaFinancial. No regulatory authority has publicly issued warnings against Robo.cash; most negative commentary is from P2P community blogs and user reviews noting liquidity and deployment issues.

Success Stories and Milestones 🌟

Robo.cash and its parent UnaFinancial have racked up notable achievements. By Q1 2022, Robocash Group hit 20 million registered customers and >$1.7 billion in total loan volume. The Robo.cash platform itself celebrated its 5th anniversary in Feb 2022 and by late 2022 had onboarded ~30,000 investors. The group has won several awards: in 2023 UnaFinancial was named among the FT1000 Fastest-growing Asia-Pacific companies, and earned “Best Financial Services Firm” (Eurasia) by APAC Insider. Product innovations include launching UnaPay (a Philippines BNPL loan originator) in May 2021 and planning new services in Sri Lanka in 2021. In mid-2021 the group raised £5 million via a bond in Singapore to fuel expansion. By 2024 Robo.cash’s financed loans passed €1 billion cumulatively. These milestones – along with published annual reports and live webcasts – have helped build the platform’s credibility among investors.

Loan Originators on Robo.cash 🏦

Robo.cash’s loans all come from its own affiliated originators, not outside lenders. Major loan originators on the platform are:

• Digido Finance Corp. (Philippines) – operates consumer lending (loans up to ~€400, terms 7–183 days). Launched 2021, Digido has issued over €100 million in loans on Robo.cash. Investor rates are 8–10.5% with 100% buyback. (Digido also runs UnaPay BNPL plans in PH.)

• Prestamer (Spain) – Spanish short-term lending (payday loans up to €1,000, terms 7–30 days). Active since 2016, it likewise shows €100 million loaned. Yields are 8–10.5%, all backed by buyback.

• RC Bucharest S.R.L. (Kazakhstan) – a Romanian SPV that funds LLP MFO Robocash.kz, a Kazakh licensed lender (operating since 2020). It offers loans (primarily business/consumer) up to 3 years. Investor rates are 8–10.5%; buyback is guaranteed. Robocash.kz is one of Kazakhstan’s largest microfinance firms.

• RC Bucharest S.R.L. (Robocash SG) – another Romanian SPV backing Robocash’s Singapore holding. It supports group lending activities in Asia. Loans here also run 7–1,095 days at 8–10.5% with buyback.
  All originators are owned by UnaFinancial, so every loan carries both the 30-day buyback and a secondary corporate guarantee from the holding. (The group’s former Russian lender, MFC Zaymer, joined Robo.cash in 2018 but was separated in 2023, so no Russian loans are on the platform.) Together, these companies have funded hundreds of millions in loans. Robocash.kz’s scale attracted a Fitch B‑rating (stable) in 2025, reflecting strong profitability and liquidity. No independent (third-party) originators are used – this is not a lending marketplace but an affiliate network model, which concentrates risk within the Robocash group.

Is Robo.cash safe and regulated?

No, Robo.cash is unregulated – it holds no EU or Croatian financial license. Investor funds are not covered by any regulatory guarantee (like FSCS). Safety relies on the platform’s group buyback and guarantee. The company highlights its long track record (zero defaults so far), public financial reports and ownership transparency. Due diligence is internal, so investors should treat Robo.cash as higher-risk than regulated banks.

What returns can I expect on Robo.cash? 💸

Typical net returns are around 9–10% per year after the 30-day buyback, based on Robo.cash data. Base interest rates run roughly 8–12.5% (shorter loans lower, longer loans higher), and a loyalty bonus (0.3–1.3%) can boost yields. Advertised “up to 14%” includes best-case scenarios and bonuses; realistic averages have been ~10%.

What are the main risks on Robo.cash?

Main risks include borrower defaults (mitigated by buyback), illiquidity (not enough loans to invest causing “cash drag” – some users reported idle cash), and counterparty risk (if the Robocash Group itself faces trouble). There is also currency risk if you deposit in EUR but underlying business is in foreign markets (though Robo.cash uses EUR for all loans). The biggest risk is systemic/regulatory: since the platform is unregulated, if the company were insolvent or fraudulent, recovery options could be limited.

Who oversees my investments? 👮

Robo.cash is currently not supervised by any financial regulator. There is no official “P2P license” in Croatia. (By contrast, other EU platforms often hold e-money or investment service licenses.) Investors must rely on the company’s own policies and group guarantee. The lack of independent custodianship means you effectively lend to the Robocash holding via these originators.