{"id":15731,"date":"2021-09-14T06:00:00","date_gmt":"2021-09-14T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/robocash-experience-2023-360-degree-analysis-and-evaluation\/"},"modified":"2026-09-28T17:56:38","modified_gmt":"2026-09-28T15:56:38","slug":"robocash-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/robocash-review\/","title":{"rendered":"Robocash Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Robocash is a P2P platform from Croatia, operational since February 2017. On the platform, investors can invest in international consumer loans of the UnaFinancial Group and earn a return of up to 11.8%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The UnaFinancial Group is an internationally established and long-standing profitable fintech company. The 2024 annual report was audited by Grant Thornton and shows a consolidated profit of USD 574,000.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Robocash is one of the most reliable platforms in the P2P space. Neither during the COVID-19 pandemic nor during the war in Ukraine were there any restrictions on withdrawals. No capital losses for investors have occurred to date.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is not regulated and there is no segregation of investor and company funds. Additionally, conflicts of interest exist due to shareholder overlaps between the platform and its loan originators.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6add26f39d078 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6add26f39d078 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6add26f39d078 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6add26f39d078 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6add26f39d078 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6add26f39d078{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6add26f39d078:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6add26f39d078 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6add26f39d078 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6add26f39d078\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/robocash-3.png\" alt=\"Robocash\" style=\"--smush-placeholder-width: 1520px; --smush-placeholder-aspect-ratio: 1520\/200;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/robocash-3.png\" alt=\"Robocash\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:60%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Registration<\/div>\n          <p>At the moment, this platform offers no welcome bonus for new investors. My partner link takes you straight to registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6add26f39d078\" href=\"https:\/\/bit.ly\/rethinkp2p-en-robocash\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">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.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>What is <\/strong><span style=\"color: #000000;\"><strong>Robocash?<\/strong><\/span><\/h2>\r\n<p><strong><a href=\"https:\/\/rethink-p2p.de\/en\/robocash-review\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-27080 size-full alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Robocash-Erfahrungen-Logo-Robocash-Review-Logo-Robocash-Opiniones-Logo-Robocash-Avis-Logo.jpg\" alt=\"Robocash-Review-Logo\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-27080 size-full alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Robocash-Erfahrungen-Logo-Robocash-Review-Logo-Robocash-Opiniones-Logo-Robocash-Avis-Logo.jpg\" alt=\"Robocash-Review-Logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/strong>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.<\/p>\r\n<p>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.<\/p>\r\n<p>Based on its history and outstanding loan portfolio, Robocash is one of the largest and most established platforms in the current P2P lending environment.<\/p>\r\n<p>Robocash&#8217;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.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Robocash at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Robocash at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>September 2016 \/ February 2017<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>ROBOCASH d.o.o. (<a href=\"https:\/\/sudreg.pravosudje.hr\/registar\/f?p=150:28:0::NO::P28_SBT_MBS:081224371\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Zagreb, Croatia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/sergey-sedov\/\" target=\"_blank\" rel=\"noopener\"><strong>Sergey Sedov<\/strong><\/a> (February 2017)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 68.1+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>42,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>9.9%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>5.7 \/ 10 (Rank 16 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><span style=\"color: #000000;\">UnaFinancial (Robocash Group)<\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18012 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial.jpg\" alt=\"Robocash-Review-Una-Financial\" width=\"400\" height=\"139\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial-300x104.jpg 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/139;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18012 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial.jpg\" alt=\"Robocash-Review-Una-Financial\" width=\"400\" height=\"139\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Robocash-Erfahrungen-Una-Financial-300x104.jpg 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>The <a href=\"https:\/\/una.financial\/\" target=\"_blank\" rel=\"noopener\"><strong>UnaFinancial<\/strong><\/a> 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. <span style=\"font-size: 1.125rem; color: var(--text-color); font-family: var(--text-font);\">The company&#8217;s lending activities focus in particular on short-term and unsecured consumer loans, <\/span><span style=\"color: var(--text-color); font-family: var(--text-font); font-size: 1.125rem; background-color: #ffffff;\">which are offered to borrowers both online and offline. <\/span><\/p>\r\n<p>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.<\/p>\r\n<p>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\u2019s financial information.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28431 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025.png\" alt=\"Robocash-Review-Profitability\" width=\"1200\" height=\"510\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-300x128.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-1024x435.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-768x326.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/510;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28431\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025.png\" alt=\"Robocash-Review-Profitability\" width=\"1200\" height=\"510\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-300x128.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-1024x435.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Robocash-Erfahrungen-2025-Profitabilitat-Robocash-Review-Profitability-Robocash-Opiniones-Rentabilidad-Robocash-Avis-2025-768x326.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"129\" data-end=\"645\">Other observations:<\/p>\r\n<ul>\r\n<li data-start=\"129\" data-end=\"645\">The operating net interest result declined significantly, mainly due to falling income (24%) and larger credit loss allowances (81%). However, this was partially offset by increasing commission income and other operating revenues.<\/li>\r\n<li data-start=\"129\" data-end=\"645\">The profit was almost entirely eaten up by the unusually high tax burden (USD 11.4 million).<\/li>\r\n<li data-start=\"129\" data-end=\"645\">Currency translation losses (USD 6.9 million) led to a negative total comprehensive result (USD 6.3 million). While this does not directly impact liquidity, it reduces the group\u2019s equity.<\/li>\r\n<\/ul>\r\n<p data-start=\"647\" data-end=\"860\"><strong>Conclusion:<\/strong> 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.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>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\u2019s 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.<\/p>\r\n<p>So far, no specific financial figures have been published from which the platform\u2019s commission revenues could be derived.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Robocash News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Robocash on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">08. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/robocash-launches-robo-flow-with-6-return\/\" onclick=\"event.stopPropagation()\">Robocash Launches Robo Flow with 6% Return<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Robocash has launched a new product called Robo Flow, designed to offer investors greater liquidity. The product invests fully automatically and comes with no minimum investment and no lock-up period. The platform advertises its new product with an expected return of 6%, while interest is calculated weekly and automatically reinvested on a monthly basis.<\/p>\n<p>The wording regarding availability is worth noting. While withdrawals are described as immediate, the FAQ states that withdrawals are processed by selling investments on the secondary market. This means liquidity depends on demand from other investors rather than on a commitment from the platform itself. The promise of high liquidity may therefore only be fulfilled to a limited extent.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/robo.cash\/news\/new_investment_product_on_robocash_steady_income_with_high_liquidity\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Robocash? Let&#8217;s have a look!<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Robocash <\/strong><\/span><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-10029 size-full alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash.png\" alt=\"robocash-review-ownership\" width=\"253\" height=\"355\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash.png 253w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash-214x300.png 214w\" data-sizes=\"(max-width: 253px) 100vw, 253px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 253px; --smush-placeholder-aspect-ratio: 253\/355;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-10029 size-full alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash.png\" alt=\"robocash-review-ownership\" width=\"253\" height=\"355\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash.png 253w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/09\/Robocash-Erfahrungen-Wem-gehoert-Robocash-214x300.png 214w\" sizes=\"(max-width: 253px) 100vw, 253px\" \/><\/noscript><\/a><\/p>\r\n<p>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.<\/p>\r\n<p>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.<\/p>\r\n<p>He entered the credit sector in 2010. That year he founded &#8220;FinTerra&#8221;, a non-bank lender in Russia. This was followed three years later by &#8220;Robot Zaymer&#8221;, a fully automated online credit service in Russia, which paved the way for the development of the Robocash Group.<\/p>\r\n<h3><strong>Robocash Management<\/strong><\/h3>\r\n<p>Since February 2017,<strong> <a href=\"https:\/\/www.linkedin.com\/in\/sergey-sedov\/\" target=\"_blank\" rel=\"noopener\">Sergey Sedov<\/a>\u00a0<\/strong>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&#8217;s operations.<\/p>\r\n<p>On <a href=\"https:\/\/robo.cash\/about\" target=\"_blank\" rel=\"noopener\"><strong>this page<\/strong><\/a>, investors can gain further insight into Robocash&#8217;s team members.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">Sign Up and Bonus<\/span><\/h2>\r\n<p>To invest on Robocash, investors must meet three requirements:<\/p>\r\n<ul>\r\n<li>Minimum age of 18 years<\/li>\r\n<li>Residence in Europe, Switzerland or\u00a0the United Kingdom<\/li>\r\n<li>Bank account in Europe, Switzerland or the United Kingdom<\/li>\r\n<\/ul>\r\n<p>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.<\/p>\r\n<p>Legal entities have currently no possibility to register on the platform.<\/p>\r\n<h3><strong>Robocash Bonus<\/strong><\/h3>\r\n\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Investing on Robocash<\/strong><\/span><\/h2>\r\n<p>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.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18658 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot.png\" alt=\"Robocash-Review-Loan-Offering\" width=\"600\" height=\"388\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot-300x194.png 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/388;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18658 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot.png\" alt=\"Robocash-Review-Loan-Offering\" width=\"600\" height=\"388\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kreditangebot-300x194.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/a>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.<\/p>\r\n<p>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).<\/p>\r\n<p>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.<\/p>\r\n<h3><strong>Robo Flow<\/strong><\/h3>\r\n<p>In September 2026, Robocash launched a new product called Robo Flow, designed to offer investors greater liquidity. The product, which has many similarities to <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\">Bondora Go &amp; Grow<\/a> and <a href=\"https:\/\/rethink-p2p.de\/en\/twino-flexi-review\/\">TWINO Flexi<\/a>, invests fully automatically and comes with no minimum investment or lock-up period. The platform advertisies its new product with an expected return of 6%, while interest is calculated weekly and automatically reinvested on a monthly basis.<\/p>\r\n<p>The wording regarding availability is woth noting. While withdrawals are described as immediate, the FAQ states that they are processed by selling investments on the secondary market. This means liquidity depends on demand from other investors rather than on a commitment from the platform itself. The promise of high liquidity may therefore only be fulfilled to a limited extent.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>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.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18651 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren.png\" alt=\"Robocash-Review-fees\" width=\"1000\" height=\"138\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren-300x41.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren-768x106.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/138;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18651\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren.png\" alt=\"Robocash-Review-fees\" width=\"1000\" height=\"138\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren-300x41.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Kosten-Gebuhren-768x106.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18654 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite.png\" alt=\"Robocash-review-Return\" width=\"600\" height=\"314\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite-300x157.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite-768x402.png 768w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/314;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18654\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite.png\" alt=\"Robocash-review-Return\" width=\"600\" height=\"314\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite-300x157.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Rendite-768x402.png 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/a>Which returns can be expected on Robocash?<\/p>\r\n<p>It is important to understand that interest rates are adjusted dynamically depending on the market situation &#8211; especially on Robocash, where there have been many adjustments in the past.<\/p>\r\n<p>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:<\/p>\r\n<ul>\r\n<li><strong>Gold:<\/strong> +0,5% with EUR 20,000 until EUR 49,999<\/li>\r\n<li><strong>Platinum:<\/strong> +0,8% from EUR 50,000<\/li>\r\n<\/ul>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Robocash Auto Invest<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18656 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite.png\" alt=\"Robocash-Auto-Invest-P2P-Lending\" width=\"400\" height=\"434\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite-276x300.png 276w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/434;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18656\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite.png\" alt=\"Robocash-Auto-Invest-P2P-Lending\" width=\"400\" height=\"434\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Auto-Invest-P2P-Kredite-276x300.png 276w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>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.<\/p>\r\n<p>How does the AI work on Robocash?<\/p>\r\n<p>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.<\/p>\r\n<p>What else there is to know?<\/p>\r\n<p>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.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Sekundaermarkt_bei_VIAINVEST\" style=\"color: #000000;\">Secondary Market<\/span><\/h3>\r\n<p>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<span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">\u00a0costs<\/span> or fees apply for either the seller or the buyer.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Guarantee<\/strong><\/span><\/h3>\r\n<p>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.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18660 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Robocash-Review-Buyback-Guarantee\" width=\"1000\" height=\"269\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie-300x81.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie-768x207.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/269;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18660\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Robocash-Review-Buyback-Guarantee\" width=\"1000\" height=\"269\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie-300x81.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Erfahrungen-Ruckkaufgarantie-768x207.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>So far, Robocash lenders have always honoured the buyback guarantee.<\/p>\r\n<hr \/>\r\n<h2><strong>Robocash Taxes<\/strong><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18662 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite.png\" alt=\"Robocash-Review-Taxes\" width=\"300\" height=\"305\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite-295x300.png 295w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/305;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18662\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite.png\" alt=\"Robocash-Review-Taxes\" width=\"300\" height=\"305\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite-295x300.png 295w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Robocash-Steuern-Versteuerung-P2P-Kredite-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration.<\/p>\r\n<p>Unlike other platforms, Robocash does not withhold taxes through interest income such as in Latvia or Lithuania.<\/p>\r\n<p>For the tax statement, investors navigate to the &#8220;Account statement&#8221; tab in the main menu. Here investors can select the category &#8220;Tax report&#8221; for the statement type. This information can then be downloaded and used for the tax declaration.<\/p>\r\n<hr \/>\r\n<h2>Robocash Risks<\/h2>\r\n<p>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?<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 16 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">5.7<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:96%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">24 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--bad\">-7<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster B: Misrepresentation &amp; Lack of Transparency <span class=\"ss-rf-cluster-pts\">(-7)<\/span><\/div>\n        <div class=\"ss-rf-item\">Group guarantee denial obscured <span class=\"ss-rf-pts\">-7<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h3>Platform Risk<\/h3>\r\n<p>The P2P platform is operated by the Croatian company &#8220;Robocash d.o.o&#8221;. 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.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23023 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation.png\" alt=\"Robocash-Review-Regulation\" width=\"1000\" height=\"228\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation-768x175.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/228;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23023\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation.png\" alt=\"Robocash-Review-Regulation\" width=\"1000\" height=\"228\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Regulierung-Robocash-Review-Regulation-768x175.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>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.<\/p>\r\n<p>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&#8217;s integrity.<\/p>\r\n<h4>Regulation and Licence<\/h4>\r\n<p>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.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Investor funds at Robocash are held in separate accounts through the payment providers 3S Money and Multipass and are not used for the platform&#8217;s own operating purposes. Each investor has a dedicated IBAN. Funds are therefore kept separate from the platform&#8217;s own operating funds.<\/p>\r\n<p>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.<\/p>\r\n<h4>Robocash in Crisis Situations<\/h4>\r\n<p>In the past, Robocash had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.<\/p>\r\n<p><strong>COVID-19 Pandemic:<\/strong> 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.<\/p>\r\n<p><strong><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23029 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1.png\" alt=\"Robocash-Review-Ukraine\" width=\"500\" height=\"180\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1-300x108.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/180;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-23029 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1.png\" alt=\"Robocash-Review-Ukraine\" width=\"500\" height=\"180\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Robocash-Erfahrungen-Ukraine-Robocash-Review-Ukraine-1-300x108.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>War in Ukraine:<\/strong> At first glance, the war had no direct impact on Robocash, as the platform&#8217;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.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>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?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No financial statement is published for investors.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>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.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>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.<\/p>\r\n<p>If there are isolated loan defaults, these are covered by the lender&#8217;s buyback guarantee. To date, the buyback guarantee has been honoured by all lenders and no losses have yet been incurred by investors.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Robocash.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Robocash has been active in the P2P market since 2017<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>UnaFinancial:<\/strong> The parent company is an internationally established and profitable fintech<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Financials:<\/strong> The UnaFinancial Group has been profitable in the lending business for many years<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Annual Reports:<\/strong> Audited annual reports are published on a regular basis<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Returns:<\/strong> The platform offers competitive interest rates<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Crisis-Tested:<\/strong> Robocash has not experienced any restrictions during crisis situations<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Defaults:<\/strong> So far, investors have not incurred any losses<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Short-term assets and a 30-day buyback guarantee ensure maximum liquidity<\/span>\n    <\/div> <\/div>\n    <\/div> \n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> Robocash is not controlled or monitored in any way by a financial supervisory authority<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> Overlapping shareholders between the platform and the lenders<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Summary Robocash Review<\/strong><\/span><\/h2>\r\n<p>What is the final verdict of this Robocash review?<\/p>\r\n<p>The Croatia-based Robocash platform is one of the biggest, most established and most popular platforms in the current P2P lending environment.<\/p>\r\n<p>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 &#8211; even in times of crisis &#8211; it comes as no surprise that it is one of the favoured platforms among P2P investors.<\/p>\r\n<p>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.<\/p>\r\n\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Robocash Alternatives<\/strong><\/span><\/h3>\r\n<p>Already invested in Robocash? Or looking for similar platforms? Here are three Robocash alternatives from the P2P market.<\/p>\r\n<p><strong>Bondora:<\/strong> 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 <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a>, with the added benefit of daily liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora review<\/strong><\/a>.<\/p>\r\n<p><strong>TWINO:<\/strong> 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 <a href=\"https:\/\/rethink-p2p.de\/en\/twino-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO review<\/strong><\/a>.<\/p>\r\n<p><strong>Lonvest:<\/strong> 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 <a href=\"https:\/\/rethink-p2p.de\/en\/lonvest-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Lonvest review<\/strong><\/a>.<\/p>\r\n<p>You can find other Robocash alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans are subject to risks and can lead to a total loss of capital. Past performance is not an indicator of future results. All content is for informational purposes only and does not constitute investment advice. No liability is assumed for the accuracy of the following information, nor for any investment decisions that may be derived from it. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Robocash Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1602516631386\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Robocash?<\/strong>\r\n<p class=\"schema-faq-answer\">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%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1677929390667\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who owns Robocash?<\/strong>\r\n<p class=\"schema-faq-answer\">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.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602516710837\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Which return can be achieved?<\/strong>\r\n<p class=\"schema-faq-answer\">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%.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36724,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Robocash Review 2026: Problems with Financial Situation?<\/title>\n<meta name=\"description\" content=\"Robocash Review 2026: Problems with Financial Situation? 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He is the founder of Una Financial (formerly Robocash Group) and he is also in charge as the CEO of the Robocash P2P platform.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516710837\",\"position\":3,\"url\":\"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516710837\",\"name\":\"\u2705 Which return can be achieved?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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%.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516789337\",\"position\":4,\"url\":\"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516789337\",\"name\":\"\u2705 Is there a bonus for new investors?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you want to join Robocash, a registration through <a href=\\\"http:\/\/bit.ly\/rethinkp2p-go-robocash\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\"><strong>this link<\/strong><\/a> will enable you to get an unlimited 0.5% cashback for all investments made in the first 30 days after sign-up.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Robocash Review 2026: Problems with Financial Situation?","description":"Robocash Review 2026: Problems with Financial Situation? 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He is the founder of Una Financial (formerly Robocash Group) and he is also in charge as the CEO of the Robocash P2P platform.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516710837","position":3,"url":"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516710837","name":"\u2705 Which return can be achieved?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516789337","position":4,"url":"https:\/\/rethink-p2p.de\/en\/robocash-review\/#faq-question-1602516789337","name":"\u2705 Is there a bonus for new investors?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"If you want to join Robocash, a registration through <a href=\"http:\/\/bit.ly\/rethinkp2p-go-robocash\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>this link<\/strong><\/a> will enable you to get an unlimited 0.5% cashback for all investments made in the first 30 days after sign-up.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15731"}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=15731"}],"version-history":[{"count":104,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15731\/revisions"}],"predecessor-version":[{"id":38402,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15731\/revisions\/38402"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/36724"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=15731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}