To understand how this approach works, it is important to clarify that investments on Robo.cash are made through direct assignment agreements between the investor and specific loan originators.
What if Robo.cash becomes insolvent or ceases operations?
The Robo.cash platform acts as an intermediary between the buyer of the claim (investor) and the seller of the claims (loan originator). Its primary role is to facilitate payments and help investors manage their investment portfolios.
Because of this, the change in the platform's legal or financial status would not directly affect investors' right to receive payments from the loan originator. The underlying loan and assignment agreements remain legally binding, regardless of the platform's administrative status.
What if a loan originator becomes insolvent or ceases operations?
In the event of the originator's insolvency, UnaFinancial initiates legal proceedings to settle with the originator and facilitates the continued repayment of debts to investors.
Solid support & oversight
Our commitment to investor protection is multi-layered and robust, ensuring investments remain secure. Here's a breakdown of the comprehensive approach we've always had in place:
UnaFinancial Group's Guarantee: A Structured Approach to Investor Protection
- 100% Direct Ownership: We have complete control and a vested interest in the financial health of every loan originator on the platform.
- Immediate Financial Support: The Group actively manages liquidity and maintains reserves to meet all obligations to investors, providing immediate financial support when needed.
- Consistently Audited Financial Position: The financial position of our ultimate holding company is consistently verified by reputable audit firms, ensuring transparency and stability.
- Proven Track Record: When a loan originator has ceased operations on the platform in the past, the UnaFinancial Group has seamlessly taken over all liabilities, upholding our commitment to investors.
- Direct BuyBack Guarantee: All loan originators on the Robo.cash platform provide a direct BuyBack guarantee. This is a crucial, immediate layer of protection that obligates the loan originator to repurchase a loan after its payment is delayed for 30 days.
This layered approach ensures that investor funds are protected from multiple angles, with the UnaFinancial Group guarantee serving as the ultimate safety net.
