Overview
Robocash is an investment platform backed by UnaFinancial, a multinational financial holding company with operations across multiple countries. The platform serves over 40,000 investors from the EU, UK, and Switzerland, offering access to consumer loan investments with a 30-day buyback guarantee.
What distinguishes Robocash is its group guarantee structure — investments are backed not just by individual loan originators, but by the broader UnaFinancial holding company. This provides an additional layer of security that goes beyond standard buyback guarantees. The platform offers both short-term and long-term loan investments, allowing investors to tailor their strategy based on liquidity needs and return expectations.
Key Features
Auto-Invest
Buyback Guarantee
Group Guarantee
Secondary Market
Investment Types
Robocash offers consumer loan investments originated by companies within the UnaFinancial group across multiple markets. Short-term loans (30 days to 12 months) offer higher yields, while longer-term loans provide more predictable income streams. All loans benefit from the 30-day buyback guarantee and group-level backing.
Pros & Cons
Advantages
- ✓ 30-day buyback guarantee provides strong investor protection
- ✓ Group guarantee from UnaFinancial holding adds extra security layer
- ✓ Available to investors from EU, UK, and Switzerland
Disadvantages
- ✕ No secondary market for early exits
- ✕ Not regulated under MiFID II
- ✕ Limited transparency compared to regulated platforms
How It Works
Register & Verify
Sign up and complete identity verification. The platform accepts investors from EU member states, the UK, and Switzerland.
Deposit Funds
Transfer funds via bank wire. Deposits are processed within 1-2 business days and immediately available for investment.
Configure Auto-Invest
Set your preferred loan duration, return target, and diversification parameters. Robocash automatically allocates your funds across matching loans.
Earn Returns
Receive regular interest payments on your loan investments. The 30-day buyback guarantee activates if any borrower defaults on payments.
Fee Structure
| Fee Type | Amount |
|---|---|
| Investment Fee | None |
| Platform Fee | None |
| Withdrawal Fee | None |
| Secondary Market | Not available |
Who Is It For?
- → Security-minded investors who value buyback and group guarantees
- → UK and Swiss investors seeking European loan investment exposure
- → Set-and-forget investors who prefer fully automated portfolio management
- → Income seekers wanting regular interest payments from consumer loans
Verdict
Robocash offers a unique proposition in the European investment landscape: consumer loan investments backed by both individual buyback guarantees and group-level backing from UnaFinancial. The 30-day buyback guarantee is among the shortest in the market, providing faster protection than many competitors.
The platform's accessibility across the EU, UK, and Switzerland makes it one of the more geographically inclusive options available. While the lack of MiFID II regulation and secondary market are notable drawbacks, the group guarantee structure and automated investment tools make Robocash a viable option for investors seeking passive income with meaningful default protection. Best suited for investors who prioritize guarantee structures over regulatory frameworks.
Frequently Asked Questions
Is Robocash safe to invest in?
Robocash is backed by UnaFinancial, a multinational holding company that provides a group guarantee on investments. The 30-day buyback guarantee means that if a borrower is more than 30 days late, the loan is repurchased at face value plus accrued interest. While the platform is not MiFID II regulated, the group backing provides meaningful investor protection.
What is the Robocash buyback guarantee?
Robocash offers a 30-day buyback guarantee on all loans. If a borrower fails to make a payment for more than 30 days, the lending company is obligated to buy back the loan at face value plus any accrued interest. This guarantee is further backed by the UnaFinancial group guarantee.
Who can invest on Robocash?
Robocash accepts investors from EU member states, the United Kingdom, and Switzerland. You must be at least 18 years old and complete the platform's identity verification process to start investing.
Does Robocash have a secondary market?
No, Robocash does not currently offer a secondary market. Investors should plan their investment horizon accordingly, as early exit options are limited. The auto-invest feature helps manage liquidity by allowing you to set preferred loan durations.
What returns can I expect from Robocash?
Robocash offers competitive returns on consumer loan investments, with rates varying based on loan duration and risk level. Short-term loans typically offer higher yields, while longer-term investments provide more stable income. All investments benefit from the 30-day buyback and group guarantee.