Platform review · Grade B
Seven years of honoured buybacks and 9-13% yields on short-term consumer loans earn Robocash grade B - but 100% own-group concentration and zero regulatory supervision place a ceiling above it.
Green list
Satellite allocation
Robocash is an unregulated Croatian platform that has financed short-term consumer loans - 30 to 90 days - since 2017 and honoured every buyback when a borrower misses 60 days. Investors earn 9-13% annual yields on fully automated portfolios, reinvesting principal and interest every few weeks as loans mature. The entire loan book originates within Robocash Group: the same corporate family writes the loans, issues the buyback guarantee, and operates the platform. No ECSP or MiFID II licence applies, so no regulator supervises conduct, capital adequacy or segregation. The platform exists in Croatia but loans flow to emerging-market borrowers through group entities in the Philippines, Kazakhstan, Spain, Vietnam and Indonesia. Robocash earns grade B because the seven-year buyback record is real, the yields are realised not advertised, and the automated structure works - but the 100% concentration in one corporate group and the absence of any external oversight prevent the grade from climbing higher.
Capital at risk: P2P lending can lose your entire investment. Robocash carries no compensation scheme, no regulatory supervision, and 100% concentration in Robocash Group. If the group faces financial trouble, both loan repayments and the buyback guarantee would fail simultaneously.
Weight: 30% · Robocash operates without a financial services licence. No ECSP registration, no MiFID II authorisation, no compensation scheme. The platform registers as a limited company in Croatia but answers to no prudential or conduct regulator. Investors rely entirely on the buyback guarantee issued by Robocash Group entities - a contractual credit promise, not a regulatory safeguard. The promise has held since 2017, which lifts the score from the bottom, but the absence of any external supervision, segregated client accounts or statutory protection caps the grade at this level.
Weight: 20% · Since launch in 2017, Robocash has repurchased every loan that reached 60 days past due, transferring principal and accrued interest back to investor accounts. No investor has reported a capital loss attributable to borrower default. The platform publishes monthly statistics showing portfolio size, default-trigger rate and buyback execution. The record is transparent and consistent. That seven-year unbroken performance on a high-turnover book of short-term consumer credit earns a strong score here.
Weight: 20% · Robocash advertises 9-13% and investors realise 9-13%. The yield depends on which loan types you select: higher rates attach to longer tenors and higher-risk geographies. Because loans mature in 30-90 days, cash recycles quickly and compounding accelerates if you reinvest. The platform does not hide fees inside the interest calculation - the advertised figure is the figure you earn if the buyback works. Realised returns match the promise, which is why this score sits well above average.
Weight: 15% · Robocash Group is a privately held, closely controlled corporate family. Every loan on the platform originates from a Robocash Group lender, every buyback comes from a Robocash Group entity, and the platform itself is part of the group. That vertical integration creates 100% concentration: if the parent company stumbles, the entire chain - origination, servicing, guarantee and platform - sits under the same roof. The structure is transparent and the company publishes country-level loan data, but no independent third party sits between you and group solvency.
Weight: 15% · Robocash runs no secondary market. To retrieve capital, pause auto-invest and wait 30-90 days for loans to mature. If you invest EUR 1,000 today, roughly one-third returns each month as short loans roll off. That gives better liquidity than a 12-month development loan but worse liquidity than a platform with an active resale market. The withdrawal process itself is smooth - no reported queues or freezes - but the clock is the clock.
Open an account on the Robocash website, complete KYC (passport or ID card plus proof of address), and link a bank account in your name. Verification typically takes one business day. Minimum deposit EUR 10.
Set your preferred yield range (9-13%), choose loan durations (30, 60 or 90 days), and allocate by country if you want to tilt toward specific markets. The system then places your capital into matching loans as they appear.
Your money flows to borrowers within hours. Borrowers make monthly or bullet repayments. If a borrower misses 60 days, the originator repurchases the loan at principal plus accrued interest and the cash returns to your account.
Maturing principal and interest land in your account balance. Auto-invest immediately recycles the cash into new loans. Pause auto-invest to accumulate a withdrawal balance, then transfer funds back to your bank - typically processed in 1-3 business days.
| Platform | Grade | Yield | Licence | Buyback | Own-group % |
|---|---|---|---|---|---|
| Robocash | B | 9-13% | None | Yes, 60d | 100% |
| Nectaro | A- | ~14.9% | MiFID II | Yes, 60d | 100% (Dyninno) |
| Lendermarket | C+ | 15.6-18% | ECSP (Ireland) | Yes, 60d | ~100% (Creditstar) |
| Mintos | A | 9-11% | MiFID II + scheme | Mixed | <5% any single |
Robocash sits between Nectaro - which holds MiFID II supervision and yields 14.9% but also concentrates in one group - and Lendermarket, which adds an ECSP licence but ties almost entirely to Creditstar solvency. Mintos offers broader originator diversification and a EUR 20,000 investor compensation scheme (covering platform failure, not borrower defaults) but yields 9-11% and mixes loans with and without buyback. If you prioritise the buyback track record and accept the concentration, Robocash delivers. If you need regulatory oversight or originator spread, Mintos or Capitalia fit better.
Robocash operates without a financial services licence - neither ECSP nor MiFID II. The platform registers as a limited company in Croatia but carries no external prudential or conduct supervision. Investors rely entirely on the buyback guarantee issued by Robocash Group entities, not on regulatory protection.
If a borrower misses a payment for 60 days, the originating lender (part of Robocash Group) repurchases the loan at principal plus accrued interest. The guarantee has been honoured since 2017, but it represents a credit promise from the same corporate group that originates the loans - not an insurance policy or third-party commitment.
Robocash finances 30-90 day consumer loans in emerging markets where annual borrower rates can reach 30-50%. The platform margin sits between the borrower APR and the investor yield. Short duration limits exposure to any single default, and the buyback structure transfers credit risk back to the originator.
Because 100% of loans originate within Robocash Group and the same group issues the buyback guarantee, investor recovery depends entirely on group solvency. If the parent company faces liquidity or insolvency issues, both the loan repayments and the buyback guarantee would be at risk simultaneously. No compensation scheme or external guarantee exists.
Robocash operates no secondary market. To exit, you wait for loans to mature - typically 30 to 90 days. Auto-invest can be paused so maturing principal flows to your account balance, which you can then withdraw. If you need same-week liquidity, the platform does not offer that feature.
Mintos holds a MiFID II licence with a EUR 20,000 compensation scheme (covering platform failure, not borrower defaults) and aggregates loans from multiple originators. InRento operates under ECSP supervision and finances third-party buy-to-let properties. Robocash runs unregulated, offers faster recycling on shorter loans, and concentrates all credit risk in one corporate group - simpler structure, narrower diversification.
Robocash fits investors who want fully automated short-term exposure, accept the concentration risk, and trust the seven-year buyback track record more than they need regulatory oversight. Avoid it if you require a financial licence, need liquidity before 90 days, or want to spread originator risk across multiple independent lenders.
Robocash earns grade B because the platform has done exactly what it promised since 2017: repurchase every late loan at 60 days, deliver 9-13% yields that match the advertised range, and automate the entire cycle so your money recycles every few weeks without manual effort. That execution is real, the track record is transparent, and the structure works for satellite allocations where you want short-term consumer credit exposure without selecting individual loans.
The grade stops at B because the entire model rests on Robocash Group solvency. No regulator supervises capital, conduct or client-money segregation. No compensation scheme backstops platform failure. The buyback issuer, the loan originator and the platform operator are the same corporate family - if the parent stumbles, every piece falls simultaneously. That concentration risk and the absence of external oversight place a ceiling on the grade.
Robocash belongs on the Green list for satellite money: allocate 10-20% of your P2P portfolio if you value the buyback history and the automated short-term structure, but pair it with Maclear (grade A+, Swiss-supervised diversified SME loans), InRento (grade A, ECSP buy-to-let with zero capital losses) or Mintos (grade A, MiFID II with originator diversification) for balance. One platform is a bet, not a strategy.