Robocash
Croatia · Consommation · Créée en 2017
Notre score
Rendement moyen
9,9%
moyenne de la plateforme
Régulation: Not licensed under ECSPR
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Notre 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.
Ce qui fonctionne
- 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
Ce qui ne fonctionne pas
- 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
À qui cela s'adresse
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.
Détail du score
Comment ce score est calculéChaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.
Chiffre relevé sur: robo.cash · 18 sept. 2026 · €1.38bn invested; 40,000+ investors; 30-day buyback
Suivi des conditions générales
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