Three safety layers exist, and all of them are the same group's money. First, if a borrower is more than 30 days late, the lending company must buy the loan back with all interest owed - this has worked every time so far. Second, the group says other companies in it will step in if one lender fails, but that promise is not written into any published contract. Third, the platform monitors its sister lenders' finances directly. The catch: a crisis that hurts the borrowers also hurts the group that promised to absorb the loss, at exactly the same time. If the group cannot pay, investors are left holding small unsecured Asian consumer loans with no realistic way to collect.

Yes, and it has grown sharply in 2026. The Philippine regulator revoked the licence of Digido, the group's largest lender, in May 2025 and in February 2026 ordered it to stop lending permanently, fining the company and five officers - the second Philippine licence the group has lost for the same offence since 2019. In March 2026 Kazakhstan's business press reported the group's local lender had 47.2% of loans behind on payments, three times the sector average. A well-known reviewer removed Robo.cash from his recommended list until the group publishes its overdue 2025 accounts. Trustpilot rates the platform 3.9 out of 5 from about 244 reviews as of August 2026, with slow customer support the main complaint. Importantly, nobody reports blocked withdrawals or unpaid buybacks - the criticism is about the group's solvency, not about the platform failing to pay.

The honest answer: the buyback stops, and there is no safety net behind it - no regulator, no compensation scheme, no security over the loans, and a Croatian operating company with EUR 2,654 of capital. You would own claims on tiny consumer loans in the Philippines and Kazakhstan, enforceable only in local courts, at costs far above what the loans are worth. Also often asked: there have been no Russian loans on the platform since early 2022, though the owner still controls a large Moscow-listed Russian lender.

There is no loan picking in the usual sense, by you or by anyone independent. Investors cannot choose loans manually - the system allocates money automatically across whatever the group has listed. All lending decisions are made by the borrowers' lenders in the Philippines and Kazakhstan, and every one of those lenders belongs to UnaFinancial, the same group that owns the platform. No outside credit committee, rating agency or auditor checks the loans. The one place the group's lending quality can be seen from outside is Kazakhstan, where its local lender reported nearly half its loans behind on payments in 2026 - far worse than the sector average of about 15 percent.

The honest answer: the buyback stops, and there is no safety net behind it - no regulator, no compensation scheme, no security over the loans, and a Croatian operating company with EUR 2,654 of capital. You would own claims on tiny consumer loans in the Philippines and Kazakhstan, enforceable only in local courts, at costs far above what the loans are worth. Also often asked: there have been no Russian loans on the platform since early 2022, though the owner still controls a large Moscow-listed Russian lender.

The platform is owned and run, from top to bottom, by Sergey Sedov, a Russian-born economist who founded the group and holds effectively all of it. He is also the director of the small Croatian company investors actually contract with, which had one employee in 2025. The wider group leadership includes CFO Ivan Adamovich and a small platform team handling product and customer care. There is no independent director or supervisory board anywhere in the structure. Sedov separately owns about 85% of Zaymer, a Russian lender listed on the Moscow Exchange - a business several times larger than the group behind Robo.cash.