explained: 4 Income Options, Interest Rate and Loan Term, How is the platform regulated

Some of our new investors are wondering about Income Options, Interest Rate and Loan Term, and how the platform is regulated. We continue onboarding and explain everything in detail in this article, read on! explained
Generate More Profit With Robocash’s Income Options!

Are you looking for ways to make your money work for you? Investing on the Robocash platform might be just what you need. Robocash offers four income options that allow users to make the most out of their investments and generate more profit:

  1. The “Balance” option is a simple way to return funds to your balance once loans are closed. This option accumulates both the principal amount and all interest earned, allowing users to allocate their money into multiple portfolios or investments.
  2. The “Reinvest full amount” option takes advantage of compound interest by reinvesting both the principal amount and the interest earned, providing users with a great opportunity for increased returns on investment. 
  3. With the “Reinvest principal amount” option, you can reinvest your initial capital and have the interest earned sent directly to your account balance. This allows users to build a steady passive income while also having their profits reinvested.
  4. Our platform makes it easy to withdraw both the principal amount and any interest earned directly into your bank account. The “Payout” option allows you to automatically transfer the funds from your investor's balance into your bank account when the sum reaches 50 EUR or more.

For those unfamiliar with our income options, we've created an in-depth tutorial video on YouTube that explains how they work in greater detail. This tutorial will guide you step-by-step through opening a loan portfolio, understanding Robocash rates and terms, and what to do when you are ready to close a portfolio and withdraw any earnings:

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Make the Most of Your Money: Set Up Interest Rate and Loan Term Parameters for Maximum Profit

Are you looking to get the most out of your money? Setting up your account with the right interest rate and loan term* parameters can make all the difference. Here’s how you do it for maximum profit.

  1. Сhoose a minimum and maximum rate in the boxes of the “Interest rate” section. It's important to keep both figures within our system's range so that your money won't go uninvested. 
  2. Type in the minimum and maximum number of days you want your money to be invested in the boxes provided for “Loan term”. Our system will automatically pick available loans according to your preferences.

It's important to note that longer investment terms tend to come with higher interest rates, so be realistic when setting these parameters. You don't want to set them too high or too low - instead, you want something in between that will yield a good return on investment while also being within reach.

You should always remember that by choosing the right parameters you can maximize your earnings over time - so it pays off to take some extra time at this stage of investing.

*What is a “Loan term”? A “Loan term” from a P2P-investment perspective is an agreement between two parties of which one lends money, and the other borrows it for a fixed period of time. This time period, or “term”, may last anywhere between 7 days (short-term loan) up to 3 years (long-term loan) depending on the specifics of the agreement. 

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How is Robocash regulated and what does regulated mean?

As far as Robocash is registered in the Republic of Croatia, the platform complies with its law and regulations. However, the P2P industry in Croatia is not regulated, and nor is Robocash regulated under any financial services license. This means that while users can invest their funds on the platform, they are not protected by any deposit or investment insurance instrument or compensation scheme. That's why it's important to understand what "regulated" means when using our platform. 

what does regulated mean?Photo by Susan Q on

Basically, it means that there are laws and regulations established by the Croatian government which Robocash must adhere to. These regulations ensure that the platform remains secure and trustworthy for its users, providing them with adequate protection on various aspects. This includes things like how money is transferred between parties, data storage requirements, anti-fraud measures, and other general protections. In addition to these government regulations, Robocash also has its own internal policies in place as well as industry standards which they must meet in order to continue operating legally.

When investing on Robocash, it's important to remember that there is still risk involved due to possible market fluctuations or global events such as financial crises or geopolitical issues which can have an effect on investments made on the platform. As such, it's important for investors to understand what “regulated” means; namely that there are laws and regulations set out by the Croatian government which can protect investors in certain areas but do not fully cover their deposit or provide any financial guarantee.

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And finally

At Robocash we strive to make investing easier while providing multiple income solutions optimized for each investor's individual needs. Whether you're new to investing or have been doing it for years, our team is here to help you find the right solution that works best for your portfolio needs! 

This is the 3rd onboarding article for newbie investors on the Robocash platform. Read the other articles at the links:


Still have questions about the platform or P2P in general?
Ask them right here in the comments! ↓

Read also:
Investment portfolio: example
All about peer-to-peer investment
What is the safest investment?

* The information in this article is intended for educational and entertainment purposes only and cannot be considered investment advice.

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This calculator gives you just a rough estimate. Your final income depends on various factors and might be greater or less than calculated results.

Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.