What Robo.cash does

Robo.cash (legal entity Robocash d.o.o.) is an automated peer-to-portfolio investment platform founded in February 2017 and headquartered in Zagreb, Croatia. The platform enables individual retail investors resident in the European Union, the United Kingdom, and Switzerland to deploy capital into short-term consumer loans (7–180 days) and longer-term commercial loans (up to 1,095 days) originated by affiliated lenders within the UnaFinancial holding, which include Big Loan and Digido in the Philippines, Robocash.kz in Kazakhstan, and the Romania-incorporated RC Bucharest special-purpose vehicle. Robo.cash reports approximately 40,000+ registered investors, EUR 64.8M in outstanding portfolio, 651,605 total loans (98.5% active), EUR 1.35B+ invested cumulatively since inception, and an average realized return of 9.91% for investors.

The platform's product surface centers on a self-serve, automated investment experience: investors sign up in approximately five minutes, configure a one-click portfolio that distributes funds across all available loans, and earn interest with no fees on deposits, withdrawals, secondary-market trades, or portfolio management. Every investment carries a 30-day buyback guarantee under which the affiliated loan originator repurchases the claim of right if repayment is delayed beyond 30 days past the due date; an in-platform secondary market provides additional liquidity. Auxiliary features include a tiered Loyalty Program (Gold at EUR 20K+ adds 0.5%, Platinum at EUR 50K+ adds 0.8%), a Refer-a-Friend program (8,892 investors acquired, EUR 416K paid out), and a Target Circle-powered affiliate program for webmasters. Robo.cash is not regulated under any financial services license but maintains GDPR and AML compliance documentation.

The business model is a transaction-fee / interest-spread construct: the platform does not charge investors explicit fees and instead captures revenue from the spread between interest paid to investors (8–10.5%) and rates charged to end-borrowers by the affiliated originators, with the originator entities themselves sitting inside UnaFinancial. Distribution is exclusively direct-to-consumer and online, with marketing executed through content (blog, YouTube), a Telegram channel, referral mechanics, and affiliate partnerships. The 11–50 employee organization is led by UnaFinancial founder and CEO Sergey Sedov and operates as a subsidiary within the UnaFinancial international fintech holding.

Name

Robo.cash

Legal name

Robocash d.o.o.

Website

https://robo.cash

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Automated peer-to-portfolio investment platform operating since 2017 for European retail investors in the EU, UK, and Switzerland. Robo.cash distributes capital across consumer loans originated by affiliates within the UnaFinancial holding, offering 9.91% average returns with a 30-day buyback guarantee and no investor fees.

Ownership category

akta.pro rank

Product category

P2P Lending Investment Platform

NAICS

Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282), Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Cash Advance (Online & Storefront) (FSAKAMAC), Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA)

Keywords

• P2P lending platform
• Automated investment platform
• Consumer loan investing
• Buyback guarantee
• Passive income investment

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interest spread on loans: Robocash earns revenue from the spread between interest rates charged to borrowers and returns paid to investors. Loan originators offer 8-10.5% returns to investors while presumably charging higher rates to borrowers.
2. Secondary market transactions: Platform facilitates secondary market for loan receivables. While stated that operations are free, the platform benefits from liquidity provision and transaction flow.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Robo.cash operates a fully automated online investment platform where European retail investors can passively invest in consumer loan receivables originated by affiliated UnaFinancial group companies. Investors set up a portfolio with one click, and an AI-powered system distributes capital across all available loans, with a 30-day buyback guarantee, a secondary market for liquidity, and a loyalty program that boosts returns at higher investment tiers.

Product overview

Robo.cash is a single unified P2P lending investment platform operated by UnaFinancial. The platform enables European investors to access consumer loans originated by affiliated companies (Big Loan, Digido, RC Bucharest entities) through AI-automated portfolio management. Core offerings include the main investment platform with One-click Portfolio automation, a Secondary Market for liquidity, and loyalty/referral programs. All investments carry a 30-day buyback guarantee backed by the UnaFinancial holding structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Robocash Investment Platform Automated peer-to-portfolio investment platform that enables individual investors resident in the EU, UK, or Switzerland to passively invest in short-term (7-180 days) and long-term (up to 1095 days) consumer loan receivables originated by affiliated UnaFinancial group companies. Investors register, verify, create a one-click AI-managed portfolio starting at €10, and earn returns on a 30-day buyback-guaranteed basis.
• Loyalty Program Tiered investor loyalty program on the Robo.cash platform that grants bonus interest rates to investors who hold larger balances: Gold status adds +0.5% for €20,000-€49,999 and Platinum status adds +0.8% for €50,000+, with Standard as the baseline level.

Quantifiable outcome

• 100% repayment rate on time or within 30-day buyback guarantee period since platform launch in 2017
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• DigidocoreStrategic or Co-development Partner · 1 January 2021Fully automated online lending portal operating since 2021. Operated by Digido Finance Corp., registered with Philippine SEC Certificate of Authority to Operate as Financing Company. Issues personal loans up to 400 EUR with maturity up to 183 days. Has issued 100 million EUR in loans. Returns 8-10.5% for investors.
• Big LoancoreStrategic or Co-development Partner · 1 January 2020Mobile app providing personalized loans to underbanked and unbanked individuals in the Philippines. Operated by Fingertip Lending Corp., licensed by Philippine SEC. Part of UnaFinancial group offering fair terms to empower borrowers. Launched 2025 with loan sizes up to 25,000 PHP (382 EUR), 7-180 day terms, 8-9% returns for investors with 100% buyback guarantee.
• LLP MFO Robocash.kz (Kazakhstan)coreStrategic or Co-development Partner · 1 January 2020Short-term consumer loan provider in Kazakhstan operating since 2020. Financing provided through RC Bucharest S.R.L. special purpose vehicle incorporated in Romania. Commercial loan type with terms 7-1095 days. Part of UnaFinancial group supporting selected markets.
• RC Bucharest (Robocash SG)coreStrategic or Co-development Partner · 1 January 2018Special purpose vehicle incorporated in Romania providing financing for UnaFinancial group companies through ultimate holding company Robocash PTE. LTD. (Singapore). Supports growth of group businesses in selected markets.
• UnaFinancialcoreStrategic or Co-development Partner · 1 January 2017International fintech holding company headquartered in Singapore, operating across Asia and Europe. Robocash is part of UnaFinancial, enabling direct access to loan originators' financial flows and operational details. This integrated structure allows monitoring of financial health and control over cash flows to prevent risks before they occur.
• Target CircleminorChannel Partner/ Reseller/ DistributorAffiliate program partner platform used by Robocash for webmaster recruitment and commission tracking. Webmasters apply through Target Circle Marketplace to access promotional materials and track real-time statistics for investor referrals.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mintos: Mintos is the largest European P2P lending marketplace, offering retail investors automated and manual investment across multiple loan originators. It is the most direct competitor to Robo.cash in the European retail P2P space, with a comparable buyback-guarantee model and multi-originator distribution.
• PeerBerry: PeerBerry is a European P2P lending platform operated by Aventus Group offering short-term consumer and business loans with a buyback guarantee. It targets the same European retail investor base as Robo.cash with similar automated portfolio features and affiliate-driven acquisition.
• Bondora: Bondora is an Estonian-headquartered European P2P lending platform offering automated Go & Grow portfolios to retail investors. It is highly comparable to Robo.cash in its automation-first, retail-investor focus and pan-European distribution.
• Viainvest: Viainvest is a European P2P lending marketplace originating primarily short-term consumer loans via affiliated lenders. It targets the same European retail investor segment with comparable buyback-guaranteed consumer loan exposure.
• IUVO Group: IUVO Group is a European P2P lending platform offering consumer and business loan portfolios to retail investors. It is comparable to Robo.cash in its marketplace structure, buyback guarantees, and pan-European investor focus.
• EstateGuru: EstateGuru is a European P2P lending platform specializing in real estate-backed loans to retail investors. While asset class differs, the platform mechanics, buyback guarantees, and European retail investor base are directly comparable to Robo.cash.
• Debitum Networks: Debitum Networks is a European P2P lending platform offering business loan portfolios to retail investors. It is comparable to Robo.cash in its marketplace structure, automated portfolio products, and European retail distribution.

Broad incumbents

• Funding Circle: Funding Circle is a major UK-listed and globally established P2P/SMB lending platform. While it focuses on SMB lending rather than consumer loans, it competes for the same European retail investor capital and operates at significantly greater scale.
• LendingClub: LendingClub is a US-listed incumbent P2P lending platform offering consumer loan portfolios to retail investors. While US-focused and larger in scale, it is a relevant comparable for the underlying P2P retail-investor business model Robo.cash operates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Robocash1
• Facebookfacebook.com/robocash.invest

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Robo.cash