Robocash
Croatia · Consumer · Founded 2017
Our score
Average return
9.9%
platform average
Our verdict
Robocash has never missed a buyback, which after eight years is not a small claim. It is also a fully vertically integrated group — Robocash lends its own money through its own originators on its own platform — and that cuts both ways. Execution is reliable because there is no third party to fail. But there is also no third party, which means every layer of your risk traces back to one balance sheet in a group with meaningful Asian consumer-lending exposure.
What works
- Eight years without a single missed or delayed buyback
- Fully automated: set the strategy once and it runs without attention
- €1 minimum — the lowest barrier to a real test in the sector
- Group publishes audited financial statements
What doesn't
- Total vertical integration means zero diversification of counterparty risk
- No ECSPR licence and no secondary market
- Significant exposure to short-term high-rate consumer lending in emerging Asian markets
- Loan-level transparency is weaker than on marketplace platforms
Who this is for
Hands-off investors who want automation and a long clean record, and who understand they are effectively taking a credit position on one corporate group.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: robo.cash · Sep 19, 2026 · €1.38bn invested; 40,000+ investors; 30-day buyback
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
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