- Hey, Lars. Long time no see. It feels like we met yesterday, but it's already been four years since you visited Robocash. So how have you seen the P2P industry evolve since then?
- A lot has happened since my visit to Robocash. The P2P industry has largely recovered from both the Covid crisis and the wave of scams that followed in those years. However, it was then hit by another challenge with the geopolitical tensions in Eastern Europe, which affected certain platforms more than others. Some are still dealing with the consequences today, while others have fully recovered — and Robocash remained one of the stable players throughout that period.
Since 2024, we’ve seen a new wave of platforms entering the market. After years of a strong shift towards regulation, there’s now a noticeable countertrend. Many of the new platforms are finding creative ways to structure their operations around licenses and regulatory frameworks. This gives them more flexibility and allows for innovative business models to emerge. Whether this trend will last is hard to say — but overall, it’s adding new energy and momentum to the entire industry.
- What are your thoughts on the current market trends?
- I’m quite cautious at the moment. It feels like we’re entering a new kind of “P2P hype” phase. The industry has certainly become more professional, and many players genuinely have good intentions. However, I’m also convinced that there are — and will continue to be — some bad actors among them. The bigger these “black sheep” are, the greater the potential damage they can cause to the entire industry — a kind of Grupeer 2.0 effect, if you will.
Even though I personally invest a lot in P2P, I’m fully aware that the current upward trend won’t last forever. At some point, there will be a correction or setback. My hope is that my portfolio will be largely unaffected and that I’ve chosen the right platforms to weather such a phase like I did in the years before. Losses are, in my view, a natural part of investing — but that doesn’t mean we should invite them through careless decisions or a lack of diversification.
- Can you share any memorable moments from your investment journey with Robocash?🙂
- My visit to your offices is still one of my personal highlights. Meeting the team in person was a great experience and gave me a completely different perspective on my investment with Robocash. It’s also remarkable that, even years later, I’m still in touch today with the same people I met back then — which says a lot about the stability and consistency of your team.
Another highlight worth mentioning is that, to this day, I haven’t lost a single euro on your platform. That cannot be taken for granted in this industry and definitely a strong testament to how you operate.
- Where do you see the P2P and broader alternative investment markets heading in the next 5-10 years?
- Speaking about P2P: A lot will depend on regulation — how it develops across Europe and how strict it becomes. Stricter regulation will definitely slow down growth, as it may make it too costly or even impossible for some companies to bring innovative business models to the market. On the other hand, regulation can make investing safer for investors — though not necessarily more profitable. My hope is that we’ll continue to see a kind of hybrid model for many years to come: one that enables innovation and growth, while still offering a solid level of security for investors.
Looking at alternative investments more broadly, I believe they’ll become increasingly attractive to investors. The entry barriers are often lower compared to the stock market, and many people are becoming more uncertain about traditional markets. They’re actively looking for alternatives to diversify their portfolios and gain exposure to different types of assets. Nevertheless, in my opinion, the stock market should always be and remain the basis of any portfolio.
- What’s your vision for your blog’s future?
- To be honest, my blog has already achieved far more than I ever expected — and it’s still growing year after year. So I don’t have a big, grand vision for it anymore. Of course, I could make everything even bigger, but I don't see the need to. I prefer to focus on my family and the new offspring.
Today, the main purpose of the blog is to support the community and to help me manage my own portfolio in a professional and transparent way, since it’s publicly visible. The blog also keeps me closely connected to the P2P platforms themselves, which allows me to make better investment decisions and share valuable insights with my readers much faster.Thank you very much for your insights, Lars. Now let's move on to your questions for Robocash :)
Questions from Lars' community to Robocash
- Okay, here we go :) Wasn't an IPO planned for UnaFinancial or the Robocash Group? What is the status here?
- Many companies are exploring the opportunity to go public. However, a successful IPO depends on numerous factors. Currently, the Group has sufficient reserves to support its ongoing development. Nevertheless, we continuously monitor all aspects of the IPO process that could position us as a publicly listed company in the future.
- Where does the platform want to go? Currently, it does not look as if it is still competitive in the P2P market. Investors currently lack incentives to invest.
- The market is certainly not standing still, and we recognize the importance of evolving to stay competitive. The question here is how to maintain this competitiveness specifically in P2P.
Recently, we conducted a survey among our investors to understand what factors they prioritize when choosing a P2P platform. Over 70% of respondents highlighted reputation and trustworthiness as the most crucial. While attractive returns are important, the platform's track record and its ability to fulfill obligations to investors are the key considerations. If a platform does not inspire confidence in its reliability, then simply offering higher interest rates will not make it a solid market leader, except in the short term.It’s crucial for us to build a reliable source of income for investors that they can access at any time and without any losses. The high demand on our platform confirms that this approach works. Nevertheless, the investors are definitely our priority, and we are actively exploring opportunities to enhance our offerings. If you have any specific suggestions, please feel free to share them with us.
- You announced improvements to the interface and the website. However, we haven't seen much of that yet. What is the plan here?
- It is true that this year we are focused on optimizing the platform functionality and visuals. The process is quite laborious and requires significant resources. We are not only updating the appearance of dashboards, but also changing the logic in some places and wording in others to improve and simplify the use of the platform and, consequently, the investment process.
We also receive various requests from investors about features or improvements they would like to see on the platform. Even small tasks are important to us, and we make sure to prioritize them whenever we identify a significant need.
- Based on your own statistics, your outstanding portfolio has been declining for months. Why is that?
- We are focusing on maintaining a stable foundation for both our investors and the entire holding. Since Robocash operates within the UnaFinancial group and aims to attract funding for its companies, we adjust the platform development strategy to meet the holding’s needs. As a consequence, the outstanding portfolio may fluctuate - growing at times and contracting at others - in line with these strategic adjustments.
- Will we soon see new loan originators on Robocash that are also attractive?
- Just recently, we integrated a new Philippine loan originator - Big Loan, and subsequently, we may add even more new products. Кeep up with our news so you don't miss it.
- What is the current status regarding the revocation of licenses in the Philippines?
- We are currently awaiting a decision on the license. As soon as there is an update, we will be sure to let you know.
- Do you see yourselves as competitive in the P2P market?
- Robocash has been operating for over 8 years, successfully navigating turbulent periods. We have not experienced any defaults and always fulfill our obligations to our investors, protecting their interests with the Buyback and the Group guarantees.
The focus has always been on providing consistent and sustainable income, rather than chasing short-term gains. We prioritize building trust and stability, which makes the platform a trustworthy choice for many investors who seek reliable passive income.
Moreover, a wealth of experience and proven track record give us confidence in the ability to adapt and continue delivering value to our users, even in changing market conditions. We are committed to maintaining a solid foundation for the Robocash community.
Read more about Lars' experience investing in Robocash on his blog.
GERMAN: https://passives-einkommen-mit-p2p.de/robocash-erfahrungen/
ENGLISH: https://passives-einkommen-mit-p2p.de/en/robocash-review/
