Robocash
Short-term consumer loans from UnaFinancial group, 100% automated model.
Crowdscope score
Volume
1.3 Mds €
Investors
42k
2nd market
No
Auto-invest
Yes
Avg. duration
6 months
Default rate
1.5%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Robocash
Overview of the platform, its framework and risk profile.
Robocash is a leading European investment platform specializing in automated crowdlending. Launched in 2017, it allows investors to finance consumer loans issued by the various subsidiaries of its parent company, the Robocash Group (operating primarily in Asia and Europe). The platform stands out for its 100% passive management model, designed to simplify the investor experience while maximizing capital turnover.
Operational Framework and Security
Robocash's architecture relies on full automation and integrated protection mechanisms:
- Automated Investment (Auto-invest): the system automatically selects and reinvests funds according to user-defined criteria, thereby eliminating "cash drag" (idle money).
- Buyback Guarantee: the platform offers a full buyback guarantee. If a borrower is late on payment (generally beyond 30 days), the loan originator repurchases the claim, including capital and accrued interest.
- Skin in the Game: loan originators retain a portion of the financial risk in each file, ensuring direct alignment with investors' interests.
- Group Strength: the platform's security relies on the profitability and historical performance of the Robocash Group, which regularly publishes its audited financial results.
Risk Profile
Despite its high degree of automation, Robocash presents risks specific to the credit sector:
- Originator Risk: the buyback guarantee is subject to the solvency of the loan issuer within the group.
- Platform Risk: the investor is exposed to the operational continuity of Robocash as a technological intermediary.
- Group Concentration: as the platform is "captive" (it only offers loans from its own group), the investor is heavily exposed to the overall health of the Robocash Group.
- Absence of State Guarantee: investments are not covered by a bank deposit guarantee fund; invested capital remains subject to credit market fluctuations.
Current Climate & Sentiment
Our interpretation of the community's climate and trust level regarding the platform.
The current climate on Robocash is characterized by a major technical transition and growing frustration due to the scarcity of loan offers, contrasting with the platform's historical stability.
The Cash Drag challenge: supply under strain
The predominant topic at the start of 2026 is the massive "cash drag" (uninvested capital) affecting many investors.
- Supply/demand imbalance: demand on the platform largely exceeds available supply, particularly for higher-interest loans (9% and above).
- Absence of certain originators: recurring questions have been asked about the disappearance of certain issuers like "Big Loan". The team clarified that each originator places loans according to its own financing needs.
- Investor departures: faced with the inability to deploy their capital, some historical investors (sometimes present for 8 years) have announced withdrawing their funds to other platforms such as Mintos.
Interface update (March 2026): mixed reviews
The rollout of a new dashboard at the end of March sparked strong reactions within the community.
- Positive points: the location of the withdrawal button is now considered more "rational" and the field for the 2FA security code is finally readable.
- Reported regressions: many users regret the disappearance of quick period filters (e.g., "last month") in account statements and the fact that essential information (investment dates, portfolio details) is now "hidden" behind additional clicks.
- Launch bugs: errors in calculating the rate of return (XIRR), incorrect loyalty statuses (Standard displayed instead of Platinum), and problems with tax reports were reported during the deployment phase.
Transparency and communication
Despite technical frictions, the platform maintains active dialogue:
- Bank account change: a significant transition occurred at the beginning of 2026, with the closure of the Dutch account in favor of a new account, forcing investors to update their transfer templates.
- Financial results: investors remain attentive to the audited reports for 2025 (Una Financial Group), with a clear demand for a reduction in debt ratios to maintain confidence given current interest rates.
In summary: while Robocash maintains its image as a serious and profitable platform, it is going through a period of technical dissatisfaction. The excess liquidity (cash drag) coupled with a new interface deemed less ergonomic is pushing a portion of the community to question its loyalty to the platform.
Crowdscope editorial analysis · August 2026. Summary of observed community exchanges, not sponsored.
Guarantees
- Buyback
Conditions
- Minimum ticket
- 1 €
- Indicative yield
- 12%
- Average duration
- 6 months
- Status
- Non régulé ECSP
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
Discover Robocash
Head to the official website to open an account and explore the investment opportunities offered by Robocash.
Crowdscope receives no commission from this platform — link provided for informational purposes. Investing involves a risk of capital loss.
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Robocash — frequently asked questions
Is Robocash a safe crowdlending platform?
Robocash scores 58/100 in the Crowdscope framework. It operates from Croatia since 2017, under the Non régulé ECSP status, with a reported default rate of 1.5%. Loans are backed by: Buyback. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Robocash?
The indicative yield advertised on Robocash is around 12% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Robocash have a secondary market?
No, Robocash does not offer a secondary market. Investments must be held until the loan matures or is repaid early.
What is the minimum investment on Robocash?
The minimum investment per loan on Robocash is 1 EUR, with an average duration of 6 months.
Is Robocash regulated?
Robocash operates under the Non régulé ECSP regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team