PeerBerry VS Robocash
Ein datengesteuerter Vergleich zweier unregulierter Plattformen mit Rueckkaufgarantien
PeerBerry
Aventus Group-gestuetzt mit 0% Ausfallrate
Robocash
UnaFinancial Gruppengarantie mit 30-Tage-Rueckkauf
Direkter Vergleich
11,05%
9,0%
10 EUR
10 EUR
Nicht reguliert (Kroatien)
Nicht reguliert (Kroatien)
Ja (gebuehrenfrei)
Nein
Variabel
30 Tage
118,3 Mio. EUR
67,2 Mio. EUR
116.592
40.000+
Returns & Earnings Potential
PeerBerry leads with an average annual return of 11.05% compared to Robocash's 9.0%. That 2-percentage-point gap is significant over time. PeerBerry also boasts a remarkable 0% historical default rate, meaning investors have never lost principal on the platform. Robocash's lower returns reflect a more conservative lending approach, but the gap is wide enough that PeerBerry clearly wins on pure yield. For income-focused investors, PeerBerry delivers meaningfully more return per euro invested.
Guarantee Structure
This is where the two platforms diverge most interestingly. Robocash offers a structured group guarantee from UnaFinancial combined with a clear 30-day buyback period - if a loan is late by 30 days, Robocash buys it back automatically. This is predictable and easy to understand. PeerBerry's buyback comes from the Aventus Group but operates on a variable basis depending on the loan originator. While PeerBerry's 0% default rate suggests the guarantees work in practice, Robocash's approach is more transparent and structured. For investors who want clarity on exactly when and how their guarantee triggers, Robocash has the edge.
Liquidity & Secondary Market
PeerBerry wins decisively on liquidity. It offers a fee-free secondary market where you can sell loans before maturity if you need your capital back. Robocash offers no secondary market at all - once you invest, your money is locked until the loan matures. This is a critical difference for investors who may need flexibility. If unexpected expenses arise or market conditions change, PeerBerry investors can exit positions. Robocash investors cannot. For anyone who values the ability to access their funds, PeerBerry's secondary market is a major advantage.
Geographic Access
Robocash has a notable advantage for non-EU investors. It accepts investors from the UK and Switzerland, markets that many P2P platforms have abandoned due to regulatory complexity. PeerBerry is primarily EU-focused and does not serve these markets. For UK-based or Swiss-based investors looking for P2P lending exposure, Robocash may be one of their few viable options. This geographic openness gives Robocash a unique positioning in the market, even if PeerBerry is the stronger platform on most other metrics.
Fazit
Choose PeerBerry if: You want higher returns (11.05% vs 9.0%), secondary market liquidity for flexible exits, a proven 0% default rate, and the confidence of investing on a larger platform with 116,592 investors and €118.3M in AUM.
Choose Robocash if: You value structured group guarantees with a clear 30-day buyback trigger, are based in the UK or Switzerland and need platform access, or prefer short buyback periods with predictable guarantee mechanics.
Best Practice: Use PeerBerry as your core holding for higher returns and liquidity. Add Robocash for geographic diversification or if you specifically value its structured guarantee approach. A 70/30 split favoring PeerBerry captures the best of both platforms.