“Can a vertically integrated, AI-automated P2P investment platform within a single fintech holding group deliver superior risk-adjusted returns to retail investors across Europe while scaling loan origination across Asia?”
Founded in February 2017, Robocash was positioned from the outset as a fully automated P2P lending investment platform operating as part of the UnaFinancial fintech holding group. Unlike typical P2P platforms, all loan originators on Robocash belong to the same UnaFinancial group, creating a vertically integrated model that eliminates third-party originator risk. Over time the platform expanded its loan originator base across Asia (Philippines, India) and Europe, and upgraded its compliance infrastructure with automated KYC/AML tooling to scale investor onboarding.
Robocash uses Complyadvantage for fraud prevention.
The Embedded Finance Index 2026 maps 2 layers in Robocash's stack: Lending (Consumer loan investments (short-term, 7–183 days), Long-term loan investments and Buyback guarantee on all loans); Fraud (Complyadvantage).
Robocash was founded by Sergey Sedov and is founded in 2017, headquartered in Zagreb, Croatia.
Robocash has raised $4.4M in total.
Get a read on where your own stack stands against Robocash and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.