Robocash vs Debitum
Head-to-head comparison of Robocash (58/100) and Debitum (62/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Robocash | Debitum |
|---|---|---|
| Crowdscope score | 58/100 | 62/100 |
| Country | Croatia | Latvia |
| Founded | 2017 | 2018 |
| Loan types | Consumer lending | P2P marketplace, Business lending |
| Indicative yield | 12% | 11.5% |
| Default rate | 1.5% | 0% |
| Regulatory status | Non régulé ECSP | IBF Lettonie |
| Minimum investment | 1 € | 10 € |
| Cumulative funded volume | 1,300,000,000 € | 195,000,000 € |
| Registered investors | 42,000 | 32,500 |
| Secondary market | No | No |
| Auto-invest | Yes | Yes |
| Guarantees | Buyback | Buyback, Caution |
Crowdscope verdict
Debitum takes the higher Crowdscope score (62/100) in this head-to-head, driven by its mix of track record, regulation, guarantees and liquidity. Scores measure structural robustness, not expected return — capital is at risk on both platforms and diversifying across several operators remains the primary risk-control tool.
Robocash vs Debitum — frequently asked questions
Robocash or Debitum: which one should you choose?
On the Crowdscope framework, Debitum scores higher (62/100 versus 58/100). Robocash advertises around 12% with a 1.5% default rate under the Non régulé ECSP regime, while Debitum advertises around 11.5% with a 0% default rate under the IBF Lettonie regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Robocash and Debitum offers the higher yield?
Robocash advertises the higher indicative yield (12% versus 11.5%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Robocash or Debitum?
Neither platform operates a secondary market: investments must be held to maturity on both.
Can you invest on both Robocash and Debitum?
Yes. Diversifying across several platforms is a common way to limit platform-failure risk, since it spreads exposure across different originators, jurisdictions and regulatory regimes. Capital remains at risk on both.
Last updated: · Reviewed by the Crowdscope editorial team