Last Update: 14 August 2026
At the moment, this platform offers no welcome bonus for new investors. My partner link takes you straight to registration. I have never been invested in Robocash with my own funds. My assessment of this platform is neutral, so I neither recommend nor advise against investing here. The Robocash P2P platform is part of UnaFinancial (formerly Robocash Group), which was founded in 2015. This is an international fintech company with several lenders. These lenders also provide loan financing via the P2P platform, which was launched in 2017. Based on its history and outstanding loan portfolio, Robocash is one of the largest and most established platforms in the current P2P lending environment. Robocash’s popularity is consisently highlighted in regular top rankings of the annual community voting. This popularity is primarily due to a combination of competitive interest rates, high liquidity and reliable repayments. All key facts and figures about Robocash at a glance. In 2024, the UnaFinancial Group generated a consolidated profit of USD 574,000, although the margin was very low at less than 0.5% of revenue. The financial statements were prepared in accordance with International Financial Reporting Standards and audited by Grant Thornton, ensuring the integrity and reliability of the group’s financial information. Other observations: Conclusion: UnaFinancial is operationally profitable, but the business model remains volatile due to credit risks and currency fluctuations. Investors should factor in this volatility in their risk assessment. The Robocash platform is a subsidiary of the UnaFinancial Group, a holding company registered in Singapore. The P2P platform acts as an intermediary and interface between investors and the group’s own lending companies. Since all loan originators on the platform belong to the same corporate group, this creates greater control on one hand, but also means there are no independent loan originators. So far, no specific financial figures have been published from which the platform’s commission revenues could be derived. P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Robocash on my P2P lending news page, where I cover other P2P platforms as well. Alternatively, you can subscribe to my Telegram channel or WhatsApp group (both free of charge) to receive real-time updates as soon as new developments emerge. Who are the main shareholders and management executives behind Robocash? Let’s have a look! Who owns Robocash? The ultimate beneficial owner of Una Financial (99+%), who also exercises control over the Robocash P2P platform, is the Russian citizen Sergey Sedov. He also is the CEO of the Robocash P2P platform since February 2017. Sergey Sedov holds a PhD in economics (from the Institute of the Russian Academy of Sciences) and has 20+ years of experience in corporate management, lending and real estate. He entered the credit sector in 2010. That year he founded “FinTerra”, a non-bank lender in Russia. This was followed three years later by “Robot Zaymer”, a fully automated online credit service in Russia, which paved the way for the development of the Robocash Group. Since February 2017, Sergey Sedov is the CEO of the Robocash P2P platform. The other management members consist of a number of experienced managers from the financial industry, which in turn strengthens the competence and integrity of the platform’s operations. On this page, investors can gain further insight into Robocash’s team members. To invest on Robocash, investors must meet three requirements: The registration process at Robocash is simple and intuitive. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of identity. Legal entities have currently no possibility to register on the platform. At the moment, this platform offers no welcome bonus for new investors. My partner link takes you straight to registration. A platform overview with all bonus offers and cashback promotions can be found on the bonus page. On Robocash, loans can only be selected automatically and not manually. In the following sections you will learn what else you need to consider when investing on the platform. Robocash offers both private consumer loans and business loans on its platform. In the case of business loans, investors have the opportunity to finance the business development of the Robocash Group (Kazakhstan, Sri Lanka and Singapore). Depending on the lender, the loan term can be up to 30 days (Spain) or up to three years (Sri Lanka). The average loan amount on the platform is EUR 140. There are no fees or hidden costs for private investors on Robocash. Neither for deposits or withdrawals, nor for the functionalities when investing on the platform. It is important to understand that interest rates are adjusted dynamically depending on the market situation – especially on Robocash, where there have been many adjustments in the past. The interest rates on Robocash range from 8% to 11%. According to the platform, investors can achieve a return of up to 11.8%. This is by taking into account the loyalty program where an additional bonus can be earned, depending on the amount invested: How does the AI work on Robocash? With the Robocash Auto Invest, individual lenders can be selected as well as the term of the loan, the interest rate, the investment amount per loans or the maximum size of the portfolio. What else there is to know? The minimum investment amount per loan is currently EUR 10, which is standard practice for most platforms. Also, Robocash applies a monthly deposit limit with EUR 25,000 per month. On the Robocash secondary market, investors can sell their loans prior maturity, in case the loans are not in the buyback process. The platform itself does not buy back any loans. The trading is therefore happening only among investors. For using the secondary market, no costs or fees apply for either the seller or the buyer. Robocash offers a buyback guarantee. This way, investors are compensated both the outstanding principal as well as the outstanding interest as soon as the borrower is more than 30 days late in the repayment schedule. So far, Robocash lenders have always honoured the buyback guarantee. Unlike other platforms, Robocash does not withhold taxes through interest income such as in Latvia or Lithuania. For the tax statement, investors navigate to the “Account statement” tab in the main menu. Here investors can select the category “Tax report” for the statement type. This information can then be downloaded and used for the tax declaration. Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Robocash? Where are the underlying risks and how can they be assessed? The P2P platform is operated by the Croatian company “Robocash d.o.o”. When the platform launched operations in 2017, Robocash was initially registered in Latvia. As the local financial supervisory authority (FCMC) moved to introduce a regulatory framework for investment firms, Robocash relocated its registered office to Croatia, where it has been based since March 2019. Due to its domicile in Croatia, the platform is not subject to any supervision or oversight by a financial authority. The operational freedom this provides comes at the cost of less compliance and transparency for investors. What speaks in favour of Robocash is its long track record since 2017, during which the platform has consistently met its obligations towards investors. The financial reports of the parent company UnaFinancial are regularly audited by Grant Thornton in accordance with IFRS standards, which lends a degree of credibility to the financial figures. The conduct of the shareholders to date also speaks in favour of the platform’s integrity. Robocash does not hold a licence from any financial or regulatory authority. As a company registered in Croatia, the platform is subject only to the general corporate law requirements of that country. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards. The publication of audited financial reports is voluntary and not a regulatory obligation. Investor funds at Robocash are held in separate accounts through the payment providers 3S Money and Multipass and are not used for the platform’s own operating purposes. Each investor has a dedicated IBAN. Funds are therefore kept separate from the platform’s own operating funds. Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested. In the past, Robocash had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine. COVID-19 Pandemic: As with other P2P platforms, Robocash experienced a short-term decline in its managed loan portfolio. Notably, the platform was able to process all withdrawal requests immediately throughout this period. Neither moratoria nor any other measures were introduced that would have had an adverse impact on investors. The financial stability of a P2P platform is a key risk factor. Is Robocash already able to operate profitably? And how well is the company positioned financially? Annual Report No financial statement is published for investors. Auditor: Not Available No external audit firm engaged. Standard: Not Available No audited financial statement available. So far, no financial results have been published for the Robocash platform. This lack of transparency is a key risk factor that investors should take into account when forming an overall assessment. Robocash only finances the loans of its own parent company UnaFinancial. This provides better control to be able to react in the event of potential problems. It also makes it easier to track and monitor the financial stability of the group company, which has issued a buyback guarantee for its loans. If there are isolated loan defaults, these are covered by the lender’s buyback guarantee. To date, the buyback guarantee has been honoured by all lenders and no losses have yet been incurred by investors. In this section, I have listed the most important advantages and disadvantages of Robocash. What is the final verdict of this Robocash review? The Croatia-based Robocash platform is one of the biggest, most established and most popular platforms in the current P2P lending environment. This result is primarily due to the support of the UnaFinancial Group, a well-managed and financially extremely stable company. As the platform has delivered reliably in recent years – even in times of crisis – it comes as no surprise that it is one of the favoured platforms among P2P investors. Robocash is offering a competitive risk/reward profile across all platforms, which is why certain cash drag situations cannot be avoided. Nevertheless, Robocash is one of the best addresses for investors that are looking for an additional opportunity to diversify their portfolio. At the moment, this platform offers no welcome bonus for new investors. My partner link takes you straight to registration. Already invested in Robocash? Or looking for similar platforms? Here are three Robocash alternatives from the P2P market. Bondora: One of the oldest P2P platforms in Europe with a track record dating back to 2008. Like Robocash, Bondora is backed by its own parent company with long-standing experience in the lending business and a focus on consumer loans. Investors that appreciate the simplicity of Robocash will find a similarly straightforward investment product in Bondora Go & Grow, with the added benefit of daily liquidity. More information in my Bondora review. TWINO: A regulated P2P marketplace from Latvia with a long-standing track record and a focus on financing unsecured consumer loans from Poland. Similar to Robocash, TWINO is backed by an experienced parent company with an international presence in the lending business. The key difference: TWINO is regulated, providing investors with a clearly structured regulatory framework. More information in my TWINO review. Lonvest: A P2P marketplace also incorporated in Croatia, active since March 2023, on which investors can invest fully automatically in buyback-secured consumer loans with short durations. Like Robocash, Lonvest serves as a financing channel for the lending business of its parent company and follows a similar Auto Invest approach without manual loan selection. More information in my Lonvest review. You can find other Robocash alternatives on the P2P Platform Comparison page. Robocash is a P2P platform based in Croatia, on which investors can invest in a variety of international consumer loans, earning an average return of 11.8%. The ultimate beneficial owner of Una Financial (99+%), who also exercises control over the Robocash P2P platform, is the Russian citizen Sergey Sedov. He is the founder of Una Financial (formerly Robocash Group) and he is also in charge as the CEO of the Robocash P2P platform. The interest rate on Robocash ranges from 8% to 11%. According to the platform, investors can currently achieve a return of up to 11.8%. I’m Denny Neidhardt, the founder of re:think P2P. On this blog, I help retail investors make smarter, well-informed investment decisions in the world of P2P lending. Since 2019, I’ve been publishing in-depth analyses, platform reviews, and risk assessments to bring more transparency to this investment space. My goal is to challenge marketing claims, question developments, and empower investors with honest, independent insights.
What is Robocash?
Robocash is a P2P platform based in Croatia, on which investors can invest in a variety of international consumer loans, earning a return of up to 11.8%. The operational launch of the P2P platform took place in February 2017.Robocash at a Glance
Founded / Started:
September 2016 / February 2017
Legal Name:
ROBOCASH d.o.o. (LINK)
Headquarter:
Zagreb, Croatia
Regulated:
No
CEO:
Sergey Sedov (February 2017)
Assets Under Management:
EUR 65.3+ million
Number of Investors:
42,000+
Expected Return:
9.9%
Risk Score:
5.7 / 10 (Rank 15 of 31) | View Methodology
Primary Loan Type:
Consumer Loans
Collateral:
Buyback Guarantee
UnaFinancial (Robocash Group)
The UnaFinancial company (formerly known as Robocash Group) is a global fintech company headquartered in Singapore. Since 2015, the company has been active primarily in the European and Asian markets. The company’s lending activities focus in particular on short-term and unsecured consumer loans, which are offered to borrowers both online and offline. 
Business Model
Robocash News
Shareholder and Management
Robocash Shareholder
Robocash Management
Sign Up and Bonus
Robocash Bonus
Investing on Robocash
Loan Offering
Currently, investors can invest in loans from five different borrower countries: The Philippines, Kazakhstan, Sri Lanka, Singapore and Spain. The majority of the loan portfolio comes from Singapore, where also the headquarters of the Robocash Holding are.Costs and Fees
Expected Returns
Which returns can be expected on Robocash?
Robocash Auto Invest
On Robocash, investors can invest in loans only via Auto Invest. As a result, the returns are automatically reinvested in the self selected criteria. A manual selection of loans is not possible.Secondary Market
Buyback Guarantee
Robocash Taxes
Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration.
Robocash Risks
Red Flags -7
Platform Risk
Regulation and Licence
Segregation of Funds and Deposit Protection
Robocash in Crisis Situations
War in Ukraine: At first glance, the war had no direct impact on Robocash, as the platform’s loan markets are located entirely outside Ukraine and Russia. However, the parent company was affected by sanctions against Russia, where the Robocash Group had generated approximately 60% of its revenue in 2021. Despite these constraints, the group was able to achieve a positive result of more than USD 13 million.
Financial Stability
Lender Risk
Advantages and Disadvantages
Summary Robocash Review
Robocash Alternatives
FAQ Robocash Review
