{"id":3762,"date":"2025-08-31T10:55:44","date_gmt":"2025-08-31T10:55:44","guid":{"rendered":"https:\/\/digibank.org\/?p=3762"},"modified":"2026-08-14T11:55:29","modified_gmt":"2026-08-14T11:55:29","slug":"bai-viet-ve-ung-dung-tai-vay-tra-gop-doctor-dong-chinh-robocash","status":"publish","type":"post","link":"https:\/\/digibank.org\/?p=3762","title":{"rendered":"B\u00e0i vi\u1ebft v\u1ec1 \u1ee9ng d\u1ee5ng t\u00e0i vay tr\u1ea3 g\u00f3p doctor \u0111\u1ed3ng ch\u00ednh RoboCash"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">N\u1ed9i dung<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">C\u1ed5ng giao ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi d\u00f9ng<\/a><\/li>\n<li><a href=\"#toc-1\">RoboCash c\u00f3 th\u1ec3 b\u1ecb thao t\u00fang.<\/a><\/li>\n<li><a href=\"#toc-2\">RoboCash l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh cho vay ngang h\u00e0ng (peer-to-look loans).<\/a><\/li>\n<li><a href=\"#toc-3\">RoboCash c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t \u0111i\u1ec3m tr\u1eeb.<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Robocash mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng t\u1ed1t nh\u1ea5t v\u00e0 \u0111\u1ed9 tin c\u1eady cao trong vi\u1ec7c th\u1ef1c hi\u1ec7n giao d\u1ecbch mua l\u1ea1i. T\u00e0i s\u1ea3n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 cho c\u00e1c t\u1ed5 ch\u1ee9c Croatia theo c\u00e1c quy \u0111\u1ecbnh b\u1ea3o h\u1ed9 h\u1ed9 chi\u1ebfu c\u1ee7a c\u00e1c qu\u1ed1c gia ch\u00e2u \u00c2u. <!--more--> B\u00e1o c\u00e1o h\u00e0ng n\u0103m \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i r\u00f5 r\u00e0ng sang nhi\u1ec1u n\u1ec1n t\u1ea3ng thu\u1ebf phi \u0111\u00f4 th\u1ecb c\u1ee7a c\u00e1c qu\u1ed1c gia ch\u00e2u \u00c2u nh\u01b0ng kh\u00f4ng hi\u1ec3n th\u1ecb k\u1ebft qu\u1ea3 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i tr\u01b0\u1edbc ngay l\u1eadp t\u1ee9c.<\/p>\n<p>C\u1ea5u tr\u00fac \u2013 T\u00edn d\u1ee5ng ti\u1ec1n m\u1eb7t Robocash b\u1eb1ng c\u00e1ch xem x\u00e9t l\u1ea1i th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi d\u00f9ng tr\u01b0\u1edfng th\u00e0nh, UnaFinancial (C\u00e1c lo\u1ea1i Robocash). C\u1ea5u tr\u00fac \u0111an xen tr\u1ef1c ti\u1ebfp ti\u1ec1m \u1ea9n r\u1ee7i ro l\u1edbn v\u1ec1 \u00fd ch\u00ed.<\/p>\n<h2 id=\"toc-0\">C\u1ed5ng giao ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi d\u00f9ng<\/h2>\n<p>N\u1ec1n t\u1ea3ng n\u00e0y cung c\u1ea5p m\u1ed9t k\u00eanh giao ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi d\u00f9ng d\u1ec5 s\u1eed d\u1ee5ng v\u00e0 cung c\u1ea5p m\u1ed9t s\u1ed1 t\u00ednh n\u0103ng h\u1eefu \u00edch cho nh\u00e0 \u0111\u1ea7u t\u01b0. C\u1ee5 th\u1ec3, n\u00f3 gi\u00fap ng\u01b0\u1eddi d\u00f9ng d\u1ec5 d\u00e0ng theo d\u00f5i danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 b\u1eaft \u0111\u1ea7u quan s\u00e1t s\u1ef1 \u1ee7ng h\u1ed9 \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu. H\u01a1n n\u1eefa, n\u00f3 cho ph\u00e9p b\u1ea1n ki\u1ec3m so\u00e1t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh m\u1ecdi \u0111i\u1ec1u ki\u1ec7n m\u1ed9t c\u00e1ch ho\u00e0n to\u00e0n. N\u1ec1n t\u1ea3ng n\u00e0y cung c\u1ea5p nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0, bao g\u1ed3m c\u00e1c kho\u1ea3n vay t\u1eeb c\u00e1c kho\u1ea3n ph\u1ea3i thu v\u00e0 c\u00e1c kho\u1ea3n gi\u1ea3m thu\u1ebf. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 mang l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1t h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n gi\u1ea3m thu\u1ebf ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng.<\/p>\n<p>N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh ngang h\u00e0ng (p2p) \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2017, l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a UnaFinancial Varieties. H\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh cho nhi\u1ec1u th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i (Kazakhstan, Indonesia v\u00e0 Uzbekistan) v\u00e0 \u0111ang t\u00ecm ki\u1ebfm c\u00e1c khu v\u1ef1c kh\u00e1c. \u1ee8ng d\u1ee5ng Robocash l\u00e0 m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n theo danh s\u00e1ch kh\u00e1ch h\u00e0ng thu\u1ed9c lo\u1ea1i h\u00ecnh chuy\u00ean nghi\u1ec7p n\u00e0y.<\/p>\n<p>H\u1ec7 th\u1ed1ng \u0111\u01b0\u1ee3c thao t\u00fang t\u1ea1i \u00dd v\u00e0 vi\u1ec7c c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng xuy\u00ean bi\u00ean gi\u1edbi c\u1ee7a Li\u00ean minh ch\u00e2u \u00c2u li\u00ean quan \u0111\u1ebfn vi\u1ec7c ti\u1ebfp nh\u1eadn nh\u00e0 \u0111\u1ea7u c\u01a1 xuy\u00ean bi\u00ean gi\u1edbi. S\u1ef1 an to\u00e0n v\u1ec1 ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o, v\u1edbi s\u1ed1 ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c gi\u1eef trong c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ri\u00eang bi\u1ec7t t\u1ea1i Croatia. Tuy nhi\u00ean, c\u1ea5u tr\u00fac c\u00f4ng ty \u0111\u00f3ng vai tr\u00f2 l\u00e0 b\u00ean cho vay c\u00f3 nh\u1eefng h\u1ec7 l\u1ee5y li\u00ean quan \u0111\u1ebfn t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a kho\u1ea3n thanh to\u00e1n v\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u t\u1ef1 ch\u1ee7.<\/p>\n<p>Kh\u00f4ng gi\u1ed1ng nh\u01b0 Mintos, c\u00f4ng ty li\u00ean k\u1ebft nh\u1eefng ng\u01b0\u1eddi t\u1eeb h\u00e0ng ch\u1ee5c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 b\u00ean th\u1ee9 ba t\u1ef1 do, Robocash t\u1ef1 t\u00e1ch kh\u1ecfi c\u00e1c c\u00f4ng ty con c\u1ee7a m\u00ecnh. \u0110i\u1ec1u n\u00e0y c\u00f3 t\u00e1c \u0111\u1ed9ng c\u1ee5 th\u1ec3 \u0111\u1ebfn \u0111\u1ed9 tin c\u1eady c\u1ee7a vi\u1ec7c th\u1ef1c hi\u1ec7n giao d\u1ecbch nh\u01b0ng c\u0169ng ti\u1ec1m \u1ea9n nguy c\u01a1 m\u1ea5t ki\u1ec3m so\u00e1t trong tr\u01b0\u1eddng h\u1ee3p g\u1eb7p s\u1ef1 c\u1ed1 t\u1eeb h\u1ec7 th\u1ed1ng ho\u1eb7c b\u1ed9 ph\u1eadn h\u1ed7 tr\u1ee3. Kinh nghi\u1ec7m trong ng\u00e0nh \u0111\u00e3 khuy\u00ean t\u00f4i n\u00ean c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng Robocash n\u1ebfu mu\u1ed1n \u0111\u1ea1t m\u1ee9c t\u1ed1i \u0111a 30-40% trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 P2P c\u1ee7a m\u00ecnh.<\/p>\n<h2 id=\"toc-1\">RoboCash c\u00f3 th\u1ec3 b\u1ecb thao t\u00fang.<\/h2>\n<p>Robocash l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng chia s\u1ebb ho\u00e0n to\u00e0n t\u1ef1 \u0111\u1ed9ng cho ph\u00e9p c\u00e1c th\u00e0nh vi\u00ean mua quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u1ec3 nh\u1eadn c\u00e1c kho\u1ea3n ph\u1ea3i thu trong t\u01b0\u01a1ng lai. H\u1ec7 th\u1ed1ng n\u00e0y thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a UnaFinancial, m\u1ed9t c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Trung Qu\u1ed1c. H\u1ec7 th\u1ed1ng n\u00e0y cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 quy\u1ec1n ki\u1ec3m so\u00e1t ho\u00e0n to\u00e0n, gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho ng\u01b0\u1eddi d\u00f9ng. Tuy nhi\u00ean, kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c h\u1ec7 th\u1ed1ng P2P kh\u00e1c, Robocash ho\u1ea1t \u0111\u1ed9ng theo h\u00ecnh th\u1ee9c h\u1ee3p \u0111\u1ed3ng h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh, do \u0111\u00f3 n\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n<p>Tuy nhi\u00ean, h\u1ec7 th\u1ed1ng n\u00e0y \u0111\u00e3 c\u00f3 h\u1ed3 s\u01a1 v\u1ec1 di\u1ec7n t\u00edch t\u00ednh \u0111\u1ebfn n\u0103m 2017. Hi\u1ec7n t\u1ea1i kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh quan tr\u1ecdng n\u00e0o, v\u00e0 c\u00e1c b\u00e1o c\u00e1o tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i cho th\u1ea5y c\u00e1c lo\u1ea1i h\u00ecnh h\u1ed7 tr\u1ee3 n\u00e0y ho\u1ea1t \u0111\u1ed9ng an to\u00e0n. Tuy nhi\u00ean, vi\u1ec7c thi\u1ebfu minh b\u1ea1ch v\u1ec1 c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a c\u00e1c lo\u1ea1i h\u00ecnh n\u00e0y h\u1ea1n ch\u1ebf s\u1ef1 tho\u1ea3i m\u00e1i c\u1ee7a ch\u00fang ta khi s\u1eed d\u1ee5ng ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y.<\/p>\n<p>C\u01a1 ch\u1ebf <a href=\"https:\/\/doctordong-vay.com\/\">vay tr\u1ea3 g\u00f3p doctor \u0111\u1ed3ng<\/a> qu\u1ea3n l\u00fd \u0111i\u1ec3m giao d\u1ecbch s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1eb1ng vi\u1ec7c mua l\u1ea1i, \u0111i\u1ec1u n\u00e0y c\u00f3 l\u1ee3i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed7i khi con n\u1ee3 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang k\u1ebf ho\u1ea1ch thanh to\u00e1n. M\u1ecdi ng\u01b0\u1eddi c\u1ea7n y\u00eau c\u1ea7u chu\u1ed9c l\u1ea1i kho\u1ea3n vay t\u1eeb ng\u01b0\u1eddi t\u1ea1o t\u00edn hi\u1ec7u giao d\u1ecbch, c\u00f9ng v\u1edbi nhu c\u1ea7u b\u1ec1n v\u1eefng. Qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 b\u1eaft \u0111\u1ea7u nhanh ch\u00f3ng, v\u00e0 ng\u01b0\u1eddi tham gia c\u1ea7n t\u00ecm th\u1ea5y kho\u1ea3n hoa h\u1ed3ng trong th\u1eddi gian ng\u1eafn khi x\u1ea3y ra b\u1ea5t k\u1ef3 s\u1ef1 vi ph\u1ea1m n\u00e0o.<\/p>\n<p>Ng\u01b0\u1eddi mua c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng th\u1ecb tr\u01b0\u1eddng ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ec3 b\u00e1n t\u00edn d\u1ee5ng tr\u01b0\u1edbc khi \u0111\u00e1o h\u1ea1n nh\u1eb1m nh\u1eadn \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m l\u1ee3i nhu\u1eadn. \u0110i\u1ec1u n\u00e0y tr\u1edf th\u00e0nh m\u1ed9t ngu\u1ed3n thu nh\u1eadp kh\u00e1c bi\u1ec7t so v\u1edbi giao d\u1ecbch P2P. Th\u00f4ng th\u01b0\u1eddng, thu nh\u1eadp t\u1eeb c\u1ed5 phi\u1ebfu b\u1ecb \u0111\u00e1nh thu\u1ebf nh\u01b0 ti\u1ec1n m\u1eb7t th\u00f4ng th\u01b0\u1eddng. Tuy nhi\u00ean, b\u1ea1n c\u1ea7n \u0111a d\u1ea1ng h\u00f3a \u0111\u1ea7u t\u01b0 th\u00f4ng qua nhi\u1ec1u h\u1ec7 th\u1ed1ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/p>\n<h2 id=\"toc-2\">RoboCash l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh cho vay ngang h\u00e0ng (peer-to-look loans).<\/h2>\n<p>Robocash, c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Ph\u00e1p, l\u00e0 m\u1ed9t trong nh\u1eefng h\u1ec7 th\u1ed1ng P2P h\u00e0ng \u0111\u1ea7u c\u1ee7a Li\u00ean minh Ch\u00e2u \u00c2u. \u0110\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2017, n\u1ec1n t\u1ea3ng n\u00e0y gi\u00fap ng\u01b0\u1eddi d\u00f9ng nh\u1eadn \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng t\u1eeb ng\u01b0\u1eddi d\u00f9ng to\u00e0n c\u1ea7u v\u00e0 b\u1eaft \u0111\u1ea7u giao d\u1ecbch h\u00e0ng n\u0103m v\u1edbi l\u00e3i su\u1ea5t 12,8%. N\u1ec1n t\u1ea3ng n\u00e0y thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a UnaFinancial Types, m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 nhi\u1ec1u chi nh\u00e1nh t\u1ea1i Ch\u00e2u \u00c2u v\u00e0 Trung Qu\u1ed1c. S\u1ef1 bi\u1ebfn \u0111\u1ed9ng v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a h\u1ecd cho th\u1ea5y t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn c\u00e1c c\u00f4ng ty con c\u1ee7a ch\u00ednh h\u1ecd.<\/p>\n<p>Gi\u1ed1ng nh\u01b0 nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c P2P kh\u00e1c c\u1ee7a M\u1ef9, Robocash \u0111\u00e3 b\u1ecb \u1ea3nh h\u01b0\u1edfng trong c\u00e1c giai \u0111o\u1ea1n to\u00e0n c\u1ea7u hi\u1ec7n t\u1ea1i v\u00e0 vi\u1ec7c c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng truy c\u1eadp hi\u1ec7n \u0111ang b\u1ecb h\u1ea1n ch\u1ebf. Tuy nhi\u00ean, \u0111\u1ed9 tin c\u1eady v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty v\u1eabn r\u1ea5t m\u1ea1nh m\u1ebd. Th\u1ef1c t\u1ebf, n\u00f3 c\u00f3 m\u1ed9t l\u1ecbch s\u1eed ho\u00e0n tr\u1ea3 tuy\u1ec7t v\u1eddi, kh\u00f4ng c\u00f3 kho\u1ea3n l\u1ed7 n\u00e0o \u0111\u01b0\u1ee3c ghi nh\u1eadn li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng n\u1ebfu b\u1ea1n mu\u1ed1n r\u00fat ti\u1ec1n.<\/p>\n<p>Do \u0111\u00f3, t\u00f4i \u0111\u00e3 d\u00e0nh kho\u1ea3ng 25-40% v\u1ed1n c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh cho h\u1ec7 th\u1ed1ng n\u00e0y trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n P2P. \u0110\u1ed9 \u1ed5n \u0111\u1ecbnh th\u1ef1c thi c\u1ee7a ch\u00fang th\u1ef1c s\u1ef1 thu\u1ed9c h\u00e0ng t\u1ed1t nh\u1ea5t. N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi m\u1edbi tham gia P2P, t\u00f4i khuy\u00ean b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u v\u1edbi Mintos l\u00e0m h\u1ec7 th\u1ed1ng ch\u00ednh, sau \u0111\u00f3 th\u00eam Robocash nh\u01b0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 ph\u1ee5 (25-40%) \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a. Vi\u1ec7c s\u1eed d\u1ee5ng ba h\u1ec7 th\u1ed1ng n\u00e0y mang l\u1ea1i s\u1ef1 \u0111a d\u1ea1ng v\u1ec1 c\u1ea5u tr\u00fac, hi\u1ec7u qu\u1ea3 v\u00e0 ho\u1ea1t \u0111\u1ed9ng m\u00e0 kh\u00f4ng m\u1ed9t n\u1ec1n t\u1ea3ng n\u00e0o kh\u00e1c c\u00f3 th\u1ec3 cung c\u1ea5p.<\/p>\n<p>Capitalia th\u1ef1c s\u1ef1 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn thay th\u1ebf m\u1ea1nh m\u1ebd cho Robocash, cung c\u1ea5p c\u00e1c v\u1ecb th\u1ebf \u0111\u1ebfn t\u1eeb c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u01b0\u1ee3c ki\u1ec3m duy\u1ec7t k\u1ef9 l\u01b0\u1ee1ng, h\u1ed7 tr\u1ee3 v\u1ed1n m\u00e0 kh\u00f4ng c\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ea5p d\u1eabn. H\u1ec7 th\u1ed1ng n\u00e0y s\u1eed d\u1ee5ng nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau v\u00e0 b\u1eaft \u0111\u1ea7u thu h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0, bi\u1ebfn n\u00f3 th\u00e0nh m\u1ed9t m\u00f4 h\u00ecnh kinh doanh hi\u1ec7u qu\u1ea3 cho nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 h\u01a1n. Th\u00eam v\u00e0o \u0111\u00f3, vi\u1ec7c thanh to\u00e1n r\u1ea5t d\u1ec5 d\u00e0ng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n<h2 id=\"toc-3\">RoboCash c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t \u0111i\u1ec3m tr\u1eeb.<\/h2>\n<p>Robocash \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u00e0o n\u0103m 2017 v\u00e0 \u0111\u00e3 t\u1ea1o d\u1ef1ng \u0111\u01b0\u1ee3c danh ti\u1ebfng \u0111\u00e1ng k\u1ec3 v\u1edbi s\u1ed1 v\u1ed1n \u0111\u1ea7u t\u01b0 kho\u1ea3ng 1,3 tri\u1ec7u EUR, tr\u1ea3 l\u1ea1i kho\u1ea3ng 38 tri\u1ec7u EUR cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. L\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c tr\u1ea3 \u1edf m\u1ee9c kh\u00e1 c\u1ea1nh tranh, t\u1eeb 8-12%, c\u00f9ng v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n th\u01b0\u1edfng \u0111\u0103ng k\u00fd h\u1ea5p d\u1eabn gi\u00fap t\u0103ng l\u1ee3i nhu\u1eadn cho c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 l\u1edbn h\u01a1n. \u0110\u00e2y l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng \u0111\u01a1n gi\u1ea3n, t\u1ef1 \u0111\u1ed9ng v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng, gi\u00fap vi\u1ec7c ti\u00eau ti\u1ec1n d\u1ec5 d\u00e0ng h\u01a1n, tuy nhi\u00ean, h\u1ec7 th\u1ed1ng c\u1ee7a n\u00f3 kh\u00e1 hi\u1ec7n \u0111\u1ea1i trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n<p>\u0110\u00e2y l\u00e0 h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng \u0111\u00e1ng tin c\u1eady nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea3m b\u1ea3o m\u1ecdi kho\u1ea3n thanh to\u00e1n \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh v\u00e0 c\u00f3 c\u1ea5u tr\u00fac r\u00f5 r\u00e0ng (h\u1ea7u nh\u01b0 m\u1ecdi giao d\u1ecbch \u0111\u1ec1u d\u1ec5 d\u00e0ng v\u00e0 v\u1edbi UnaFinancial, c\u00f3 h\u1ed7 tr\u1ee3 n\u1eafm gi\u1eef c\u1ed5 phi\u1ebfu k\u00e9p). Tuy nhi\u00ean, n\u00f3 kh\u00f4ng b\u1ecb thao t\u00fang b\u1edfi ECSP v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch \u0111\u1ec1u do m\u1ed9t ng\u01b0\u1eddi t\u1ea1o ra, \u0111i\u1ec1u n\u00e0y t\u1ea1o n\u00ean s\u1ef1 kh\u00e1c bi\u1ec7t so v\u1edbi c\u00e1c Mintos kh\u00e1c. Tin t\u1ed1t l\u00e0 c\u1ea5u tr\u00fac v\u00e0 hi\u1ec7u su\u1ea5t thanh to\u00e1n ban \u0111\u1ea7u \u0111\u1ec1u \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u1ed1t d\u01b0\u1edbi \u00e1p l\u1ef1c, v\u00e0 m\u1ee9c ph\u00ed v\u00e0o c\u1eeda EUR10 cho th\u1ea5y \u0111\u00e2y l\u00e0 m\u1ed9t n\u01a1i t\u1ed1t \u0111\u1ec3 b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 P2P, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi am hi\u1ec3u v\u1ec1 \u00fd ch\u00ed c\u1ee7a m\u1ed9t ng\u01b0\u1eddi t\u1ea1o ra \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c c\u1ea3m gi\u00e1c t\u1ef1 \u0111\u1ed9ng thanh to\u00e1n.<\/p>\n<p>M\u1ecdi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n th\u00f4ng qua kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc SEPA, v\u00e0 Robocash s\u1ebd nhanh ch\u00f3ng ph\u00e2n b\u1ed5 \u00fd t\u01b0\u1edfng n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi vay ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd. B\u1ea1n kh\u00f4ng ph\u1ea3i tr\u1ea3 b\u1ea5t k\u1ef3 kho\u1ea3n ph\u00ed n\u00e0o li\u00ean quan \u0111\u1ebfn nh\u00e0 \u0111\u1ea7u t\u01b0, nh\u01b0ng h\u00e3y th\u1ea3o lu\u1eadn v\u1edbi ng\u01b0\u1eddi cho vay \u0111\u1ec3 bi\u1ebft b\u1ea5t k\u1ef3 kho\u1ea3n ph\u00ed n\u00e0o ph\u00e1t sinh t\u1eeb t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd giao d\u1ecbch \u0111\u1ebfn v\u00e0 \u0111i. N\u1ec1n t\u1ea3ng ho\u1ea1t \u0111\u1ed9ng c\u0169ng \u0111\u01b0a ra c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u00e0ng n\u0103m cho th\u1ea5y s\u1ed1 ti\u1ec1n c\u1ea7n ph\u1ea3i tr\u1ea3, nh\u01b0ng kh\u00f4ng li\u00ean k\u1ebft tr\u01b0\u1edbc c\u00e1c m\u1eabu \u0111\u01a1n mi\u1ec5n thu\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung C\u1ed5ng giao ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi d\u00f9ng RoboCash c\u00f3 th\u1ec3 b\u1ecb thao t\u00fang. RoboCash l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh cho vay ngang h\u00e0ng (peer-to-look loans). RoboCash c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t \u0111i\u1ec3m tr\u1eeb. Robocash mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng t\u1ed1t nh\u1ea5t v\u00e0 \u0111\u1ed9 tin c\u1eady cao trong vi\u1ec7c th\u1ef1c hi\u1ec7n giao d\u1ecbch mua l\u1ea1i. T\u00e0i&hellip; <a class=\"more-link\" href=\"https:\/\/digibank.org\/?p=3762\">Lees verder <span class=\"screen-reader-text\">B\u00e0i vi\u1ebft v\u1ec1 \u1ee9ng d\u1ee5ng t\u00e0i vay tr\u1ea3 g\u00f3p doctor \u0111\u1ed3ng ch\u00ednh RoboCash<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3762","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"_links":{"self":[{"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/posts\/3762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/digibank.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3762"}],"version-history":[{"count":1,"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/posts\/3762\/revisions"}],"predecessor-version":[{"id":3763,"href":"https:\/\/digibank.org\/index.php?rest_route=\/wp\/v2\/posts\/3762\/revisions\/3763"}],"wp:attachment":[{"href":"https:\/\/digibank.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/digibank.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/digibank.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}