An established, zero-fee platform offering reliable returns, though investors must navigate persistent cash drag.
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€10.00
€100,000.00
Moderate risk with balanced returns
9.9%
0 reviews
Community total (base currency)
Without bonuses
Community members
4.1/5
Robocash is a highly consistent P2P option, benefiting from being fully integrated into the UnaFinancial group. The combination of mandatory Buyback and zero fees makes it attractive. However, high investor interest often results in a shortage of available loans, limiting the ability to fully deploy capital.
Fully automated P2P platform backed by the UnaFinancial holding, offering high consistency and a strong Buyback Guarantee.
Looking for a reliable, hands-off investment? Robocash provides a fully automated 'peer-to-portfolio' model within the established UnaFinancial holding. With an average return of nearly 10% and a 30-day Buyback Guarantee, it’s designed for investors seeking stability and minimal management time.
Robocash is a Croatian-based, fully automated P2P investment platform launched in February 2017. It operates as part of the UnaFinancial financial holding, which provides fintech services across fast-growing markets in Asia and Europe. This structure minimizes platform risk as all loans are originated by affiliated entities, offering investors enhanced protection and transparency.
Investors choose Robocash for its exceptional stability and consistent performance over many years, even during global crises. The platform is entirely fee-free for investors and offers a high degree of automation, allowing capital to grow passively with an effective 30-day Buyback Guarantee on all investments.
The investment process is straightforward: 1. Sign up and create an account (EU, UK, or Switzerland residency required). 2. Deposit funds (in EUR). 3. Create a portfolio using the automated tool (or the 'One-click' option). 4. Funds are automatically invested into consumer and commercial loans across the holding. 5. Earn passive income, protected by the Buyback Guarantee.
Short-term loans issued to private individuals by affiliated loan originators within the UnaFinancial group, typically offering higher interest rates.
Loans provided to businesses within the UnaFinancial holding, broadening diversification beyond standard personal loans.
Loan Types: Consumer loans (Payday/Installment), Commercial loans
Liquidity: Typically short-term loans, offering terms from 1 day up to several months, allowing for quick capital rotation.
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Ideal for investors who want to set up an Auto-Invest portfolio and rarely log in, relying on the platform's automation and Buyback Guarantee for consistent returns.
Suitable for those prioritizing stability and protection. The platform's backing by UnaFinancial and the mandatory Buyback Guarantee mitigate default and platform risk.
The high volume of invested capital (€1.2B+) and the holding structure make it a viable option for deploying larger sums, provided current cash drag issues are managed.
The minimum investment amount required to start earning passive income on Robocash is €10 per loan part.
No. Robocash operates on a zero-fee model for investors. This includes no charges for deposits, withdrawals, using the secondary market, or managing your portfolio.
All investments on Robocash are protected by a 30-day Buyback Guarantee. If a loan repayment is delayed by more than 30 days, the affiliated loan originator is obliged to buy the loan back from the investor at face value plus accrued interest. The platform is also backed by the UnaFinancial holding.
Cash drag occurs when the demand from investors for loans exceeds the available supply. This means your deposited funds may sit idle, uninvested, for periods of time, reducing your overall realized return. Robocash recommends maximizing Auto-Invest settings or using the 'One-click' option to mitigate this.
Robocash focuses entirely on a fully automated 'peer-to-portfolio' investment model. There is no option for manual selection of individual loans. Investors control their portfolio settings (rate, term, originators) via the Auto-Invest tool.
All investments on the Robocash platform are made exclusively in Euro (€).
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