Robocash
P2P Lending Review
Not a marketplace. Not a third-party originator model. Robocash is a vertically integrated investment platform where the platform and every loan originator belong to the same group — UnaFinancial. Every loan funded since 2017 has been repaid in full. 30-day buyback guarantee. Zero fees.
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Robocash (robo.cash) is a P2P investment platform founded in 2017 and registered as Robocash d.o.o. in Zagreb, Croatia. It is part of UnaFinancial — a Singapore-headquartered fintech holding that operates consumer lending companies across Asia and Europe. Since launch, Robocash has facilitated over €1.35 billion in investments, paid €40.46 million in interest to investors, and maintained a 100% repayment record: every single loan funded through the platform has been repaid in full and on time, or within the 30-day buyback window. The platform-reported average return is 9.91%, though independent investors using optimised auto-invest settings consistently report 11-12% gross returns. Loan interest rates on the platform currently run 8-12% annually.
Before reading further, one fact from Robocash’s own website footer deserves to be upfront: “Robocash is not regulated under any financial services license.” This is not buried in a terms document. It is stated explicitly in the footer of every page. When you invest on Robocash, you are buying claim rights for loan receivables — not a regulated investment product, not a security. There is no investor compensation scheme. There is no regulatory authority overseeing the platform’s obligations to investors.
That said, Robocash has something no amount of regulatory paperwork can manufacture: an eight-year unbroken track record of full repayment. Understanding why that track record exists — and whether the structure that produced it can hold — is the core of this review.
One current trend worth noting upfront: investment volume on Robocash is declining. In June 2026, the platform raised €10.34 million — a 42% decrease year-on-year. Over the last 12 months, total facilitated investments were €184.57 million, down 25% compared to the prior year. Lower loan availability can cause cash drag: funds sitting uninvested in your account earning nothing. This is a practical concern for larger portfolios and worth monitoring.
To understand what makes Robocash structurally different, you need to understand how other P2P platforms work by comparison.
On Mintos or PeerBerry, the platform is a marketplace. It connects investors with loan originators — separate, independent companies with their own balance sheets, management, and risk profiles. When an originator on Mintos failed during COVID (and several did), Mintos had limited recourse. It could pursue recovery, but it could not simply write a cheque from its own account. The originator was a third party. The gap between the platform’s obligations and the originator’s ability to honour them is where investor losses happen.
Robocash works differently. There are no third-party originators. Every company listed as a loan originator on Robocash belongs to UnaFinancial — the same group that owns the Robocash platform itself. When you invest on Robocash, your money is transferred directly to a UnaFinancial company. The platform explicitly states: if a UnaFinancial company encounters difficulties, another UnaFinancial group company takes over those obligations. The group is the backstop, not an external guarantor.
On a marketplace platform, you are effectively extending credit to a third-party originator and hoping they honour the buyback guarantee. On Robocash, you are extending credit to a company in the same group that owns the platform. The platform has real-time access to the financial health of every originator because they are all internal entities. If one entity has a problem, the group moves capital to cover it. This is the structural reason every Robocash loan has been repaid since 2017 — not luck, not exceptional borrower quality, but a group treasury that can cover any single entity’s shortfall.
The trade-off is concentration: if UnaFinancial Group itself encountered severe financial difficulty, there would be no external backstop. The single-group model is both the strength and the risk of Robocash.
- Platform and originators are one group — no third-party default risk
- Real-time internal monitoring of all originator financial health
- Group can cover any single originator shortfall internally
- 30-day buyback — 30 days faster than Mintos and PeerBerry
- Zero fees on everything — deposits, withdrawals, secondary market
- Fully automated — no originator selection or due diligence required
- Available to EU, UK, and Swiss investors (UK excluded from PeerBerry)
- Zero regulation — no MiFID II, no ECSP, no investor compensation scheme
- Single group concentration — UnaFinancial failure = total platform risk
- Emerging market exposure: Philippines and Kazakhstan carry higher country risk
- Smaller scale — €1.35B vs Mintos €12B+
- You buy claim rights, not regulated investment securities
- UnaFinancial financials not publicly audited or disclosed
Robocash currently lists four active loan originators. All are UnaFinancial group entities or SPVs (special purpose vehicles) that channel capital to UnaFinancial operating companies. UnaFinancial operates across five countries: Philippines, Kazakhstan, Sri Lanka, Singapore, and Spain. The active originator pool on Robocash primarily covers Philippines and Kazakhstan, with the Singapore and Spain operations channelled through the RC Bucharest SPV structure. This is a much smaller and more concentrated pool than Mintos (64 originators) or PeerBerry (36 entities across 5 groups).
| Originator | Country | Loan Type | Term | Rate | Notes |
|---|---|---|---|---|---|
| Big Loan | Philippines | Consumer | 7-180 days | 8-9% | Launched 2025. Mobile-first app targeting unbanked individuals. SEC licensed. Up to 25,000 PHP (~€382) per loan. |
| Digido | Philippines | Consumer | 7-183 days | 8-10.5% | Launched 2021. Fully automated online lending. SEC licensed. €100M+ issued. Loans up to €400. |
| RC Bucharest (Kazakhstan) | Kazakhstan | Commercial | 7-1,095 days | 8-10.5% | Romanian SPV financing LLP MFO Robocash.kz. Short-term consumer loans in Kazakhstan. Active since 2020. |
| RC Bucharest (Robocash SG) | Singapore | Commercial | 7-1,095 days | 8-10.5% | Romanian SPV financing UnaFinancial Singapore holding entity. Supports group growth across markets. Launched 2018. |
The “RC Bucharest” entries can confuse investors. They are not Romanian lending companies. ROBOCASH BUCHAREST S.R.L. is a Romanian-registered special purpose vehicle (SPV) whose sole purpose is to provide financing to UnaFinancial operating companies elsewhere — specifically in Kazakhstan and Singapore. When you invest in an RC Bucharest loan, your money flows through the Romanian SPV structure to the actual operating lending businesses in Kazakhstan or Singapore. The SPV structure is a standard mechanism to channel cross-border capital efficiently. The underlying credit risk is in Kazakhstan (consumer loans) and Singapore (group holding).
Robocash’s own website states in the footer of every page: “Robocash is not regulated under any financial services license.” This is the most honest regulatory disclosure of any platform in this review series, and it deserves to be taken seriously.
What this means in practice:
No MiFID II licence — unlike Mintos, Robocash is not an EU-regulated investment firm. There is no investor compensation scheme. If Robocash became insolvent, investors would have no regulatory safety net — no €20,000 protection, no mandated fund segregation enforced by a regulator.
No ECSP licence — unlike Crowdpear (PeerBerry’s sister platform), Robocash has not applied for or received a European Crowdfunding Service Provider licence. It does not operate under the EU’s crowdfunding regulatory framework.
Claim rights, not securities — when you invest on Robocash, you are buying claim rights for loan receivables. This is a contractual arrangement, not a regulated investment product. In the event of a dispute, your legal recourse is through Croatian courts (the jurisdiction of Robocash d.o.o.) rather than a financial regulator.
What mitigates this: the platform’s 8-year repayment record, the vertical integration with UnaFinancial that provides internal rather than regulatory protection, and the fact that individual loan originators in the Philippines hold SEC licences in their respective jurisdictions. But these are operational protections, not regulatory ones. Investors should treat Robocash accordingly.
On transparency: UnaFinancial publishes audited consolidated financial reports under IFRS standards, audited by Grant Thornton. The 2024 annual report shows consolidated profit of $574,000. One concern flagged by independent analysts: UnaFinancial’s debt-to-equity ratio surged from approximately 11.3x in 2023 to 25.1x in 2024, indicating significantly increased leverage. This does not translate to immediate investor risk given the repayment record, but it is a structural metric worth monitoring. Investor funds are held in separate accounts through payment providers 3S Money and Multipass and are not used for the platform’s own operational purposes. Each investor has a dedicated IBAN.
One additional ownership note: the ultimate beneficial owner of UnaFinancial (99%+) is Sergey Sedov, a Russian citizen and the group’s founder and CEO. This does not affect the platform’s Croatian legal registration or operational status, but it is a transparency fact investors should be aware of given broader geopolitical context around Russian-owned financial entities operating in Europe.
Given the lack of regulation, Robocash is most appropriate as the third platform in a portfolio where your primary allocation is already in regulated platforms — Mintos (MiFID II) as the anchor, PeerBerry as the secondary. Cap your Robocash allocation at 20-30% of your total P2P portfolio. The track record is real, but the regulatory absence means you are relying entirely on UnaFinancial’s operational integrity rather than any external framework. That is a risk that should be sized, not ignored.
| Feature | Detail |
|---|---|
| Auto-invest | AI-powered automated portfolio. Set once, requires no ongoing management. Can also invest manually in individual loans. |
| Secondary market | Available. Free — no fees on secondary market transactions. Allows selling loans before maturity to other investors. |
| Buyback guarantee | 30 days from due date. Includes accrued interest for the full overdue period. Backed by UnaFinancial group, not just individual originators. |
| Minimum investment | €10 per loan |
| Currencies | EUR only |
| Fees | Zero — no deposit fee, no withdrawal fee, no secondary market fee, no management fee |
| Cash drag risk | Loan availability declining in 2026 (volume down 25% YoY). Funds may sit uninvested for days or weeks at peak demand. Larger portfolios more affected. “Maximise Profit” auto-invest setting helps allocate efficiently. |
| Deposit limits | €15,000/month, €180,000/year maximum. Bank transfers only — no card deposits. |
| Reinvestment options | Balance (returns to investor funds), Payout (to bank, min. €50 portfolio), Reinvest principal + interest (compound), Reinvest principal only (pay out interest). |
| Interest rates | 8-10.5% depending on originator and loan term |
| Loan terms | 7 days to 1,095 days (3 years) depending on originator |
| Mobile app | Available — iOS and Android |
| Loyalty program | Rate bonus tiers based on portfolio size — larger portfolios earn a higher bonus on top of base rate. Rewards consistent long-term investors. |
| Referral scheme | Refer a friend program available |
| Who can invest | EU residents, UK residents, Swiss residents. Age 18+. Personal bank account required in one of these regions. |
| UK access | Yes — UK investors can use Robocash (unlike Go & Grow) |
- Third platform in a diversified P2P portfolio
- Investors wanting the fastest buyback (30 days)
- Set-and-forget investors who want full automation
- UK investors (excluded from Go & Grow)
- Those who want zero fees across everything
- Investors comfortable with emerging market exposure
- Investors requiring regulated platform protection
- Those wanting geographic or structural diversification
- First-time P2P investors — start with Go & Grow
- Anyone needing more than ~30% P2P allocation here