Robocash
Robocash is an automated investment platform for consumer loans and for loans to companies within its own group. It went live in February 2017 out of Riga and is run today by Robocash d.o.o. in Zagreb, which belongs to the Latvian SIA Robocash Group. Behind it stands UnaFinancial, a fintech group whose parent company sits in Singapore. Every loan originator on the platform is a company of that group: Big Loan and Digido in the Philippines, plus a Romanian financing vehicle that funds the group's lender in Kazakhstan and its Singapore parent. Investing is fully automated, there is no manual loan selection. Investors can sell their claims to other investors at face value and without a fee, and once a loan is more than 30 days overdue the originator has to buy it back under a buyback guarantee.
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Robocash in real numbers
Anonymized statistics from all Robocash portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
10.2%
Based on 255 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 111 stated strategies
Combined portfolio value
€1,359,811
Investors on P2P Dash
299
Interest earned all-time
€802,188
Median cash drag
3.1%
Share of funds sitting uninvested
Important Notes
- File size is limited to 655,536 records
- You need to split exports into multiple files to export all records
Compare Robocash head-to-head
Robocash returns over time
Median annual return of Robocash investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
9.5%
72 investors
13.3%
2017
11.0%
2018
12.2%
2019
12.5%
2020
12.3%
2021
12.3%
2022
11.5%
2023
10.2%
2024
9.8%
2025
9.4%
2026
Is money moving into Robocash?
Monthly deposits minus withdrawals across Robocash investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
-€158,657
299 investors tracking
In Q3 2026, Robocash ranks 48 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Robocash changing?
The strategies Robocash investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
43
as of Nov 12, 2026
Last 7 days
+1
- More cautious
- 1
- More confident
- 1
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 42 | 109 | 0 | 1 | 2 | 0 | 18% | 18% | 17% | 6% | 39% |
| Oct 26 to Nov 1, 2026 | 42 | 107 | 0 | 1 | 4 | 0 | 18% | 18% | 19% | 7% | 39% |
| Oct 19 to Oct 25, 2026 | 42 | 103 | 0 | 0 | 3 | 0 | 17% | 17% | 19% | 7% | 39% |
| Oct 12 to Oct 18, 2026 | 41 | 100 | 0 | 0 | 3 | 1 | 16% | 18% | 19% | 7% | 40% |
| Oct 5 to Oct 11, 2026 | 41 | 98 | 1 | 1 | 2 | 0 | 16% | 17% | 19% | 7% | 40% |
| Sep 28 to Oct 4, 2026 | 40 | 96 | 2 | 0 | 2 | 0 | 17% | 17% | 19% | 7% | 41% |
| Sep 21 to Sep 27, 2026 | 39 | 94 | 1 | 0 | 2 | 0 | 15% | 16% | 20% | 7% | 41% |
| Sep 14 to Sep 20, 2026 | 39 | 92 | 0 | 1 | 2 | 0 | 14% | 17% | 20% | 8% | 41% |
| Sep 7 to Sep 13, 2026 | 39 | 90 | 0 | 0 | 2 | 0 | 14% | 17% | 21% | 7% | 41% |
| Aug 31 to Sep 6, 2026 | 38 | 88 | 0 | 1 | 2 | 1 | 14% | 16% | 22% | 7% | 42% |
| Aug 24 to Aug 30, 2026 | 38 | 87 | 0 | 0 | 0 | 0 | 13% | 17% | 22% | 6% | 43% |
| Aug 17 to Aug 23, 2026 | 38 | 87 | 0 | 0 | 0 | 0 | 13% | 17% | 22% | 6% | 43% |
| Aug 10 to Aug 16, 2026 | 38 | 87 | 1 | 1 | 4 | 0 | 13% | 17% | 22% | 6% | 43% |
| Aug 3 to Aug 9, 2026 | 38 | 83 | 0 | 0 | 1 | 0 | 13% | 16% | 23% | 6% | 42% |
| Jul 27 to Aug 2, 2026 | 38 | 82 | 1 | 1 | 2 | 0 | 13% | 16% | 23% | 6% | 41% |
Alternatives to Robocash
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Consumer loans →Business loans (SME) →Yield accounts →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Robocash
Answers based on anonymized community data from P2P Dash investors.
What is Robocash?
Robocash is a peer-to-peer lending platform, founded in 2017 (headquarters: Croatia). On P2P Dash, investors import their Robocash account statements to track the real net return they earn there.
What return do investors actually earn with Robocash?
Across 255 Robocash portfolios tracked on P2P Dash, the median net return (XIRR) is 10.2%. The middle 50% of investors earn between 9.2% and 11.3% (as of November 12, 2026).
How many investors track Robocash on P2P Dash?
299 investors track their Robocash portfolios on P2P Dash, with a combined portfolio value of €1,359,811 and €802,188 in interest earned all-time.
How does Robocash rank among P2P platforms?
Robocash ranks 25 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Robocash?
Of 111 stated strategies for Robocash, 35% plan to add funds or reinvest, 21% intend to hold, and 44% plan to reduce or exit (as of November 12, 2026).
Is Robocash regulated?
No, Robocash does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Robocash offer a buyback guarantee?
Yes, Robocash offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Robocash portfolio?
Export your transaction history from Robocash (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Robocash?
Based on the community ranking, the closest alternatives to Robocash in the same asset class are Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.