Robocash review from Rethink P2P

Denny is a German financial blogger who has specialized in P2P lending since 2018. Through his blog, he helps investors better understand the basics of investing in loans. In a new review, Denny shares his experience with Robocash.

Robocash overview

  • What is Robocash?

Robocash is an investment platform based in Croatia, on which investors can invest in a variety of international consumer and business loans. The platform belongs to Robocash Group, a holding company located in Singapore, which has several international non-bank lending companies incorporated.

  • Who owns Robocash?

Sergey Sedov is the founder and the CEO of the Robocash platform since February 2017. He holds a PhD in economics and has 20+ years of experience in corporate management, lending and real estate.

  • How to start investing on Robocash? 

To invest on Robocash, investors must meet three requirements: minimum age of 18 years, residence in Europe, Switzerland or the United Kingdom, Bank account in Europe, Switzerland or the United Kingdom. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of identity. Legal entities have currently no possibility to register on the platform.

  • Which return can be achieved?

The interest rate on Robocash ranges from 8% to 14%. According to the platform, investors can currently achieve a return of up to 13.3%.

  • Is Robocash Group profitable?

The Robocash Group was able to achieve a consolidated profit of €13.2 M in 2022. The annual report was audited by Grant Thornton and conducted in accordance with IFRS standards.


Guarantees and risk

  • Is Buyback guarantee offered? 

Yes, Robocash offers a Buyback guarantee. This way, investors are compensated both the outstanding principal as well as the outstanding interest as soon as the borrower is more than 30 days late in the repayment schedule.

  • Is the geopolitical situation influencing Robocash's business?

It has no direct impact on Robocash at first glance, since the platform’s credit markets are all located outside of Ukraine and Russia. The platform has its business headquarters in Croatia, they work with a Dutch bank for payment processing and the Robocash Holding headquarters is located in Singapore.

You can find the full text of the review on the blog at the link:

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