Retail investors can now delegate stock trades and credit card purchases to an AI agent through Robinhood's new platform
Robinhood Markets Inc launched two autonomous finance tools last Wednesday, allowing software to trade equities and make credit card purchases without human approval for each transaction.
Reuters reported that the move lets retail investors delegate portfolio and spending decisions to an AI agent.
The tools: Agentic Trading and an Agentic Credit Card.
Both let customers connect third-party AI assistants, including Anthropic's Claude and OpenAI's ChatGPT, to a dedicated account via Robinhood's Model Context Protocol servers.
The trading account sits entirely separate from a customer's main portfolio, limiting the funds an agent can access to only what the user deposits, Robinhood said.
From there, the agent can place trades, monitor positions and execute strategies on its own.
According to Proactive, Robinhood outlined use cases ranging from automatic portfolio rebalancing when sector concentrations drift beyond set thresholds, to mean-reversion strategies with backtesting built in.
Abhishek Fatehpuria, Robinhood's vice president of product management for brokerage, told Bloomberg the possibilities are "pretty vast" once customers connect outside agents and tools.
The credit card component gives Gold cardholders a virtual card with a monthly spending limit that an AI agent can use autonomously.
Bloomberg reported that a cardholder could, for example, instruct an agent to book a restaurant reservation the moment it becomes available, or purchase a sought-after item if the price drops below a set threshold such as US$2,500.
Robinhood said users choose whether to require manual approval for each transaction or let the agent spend freely within the cap.
Robinhood acknowledged the risks plainly: users bear full responsibility for any outcomes, and the company does not supervise, control or guarantee the performance of any connected agent, according to Proactive.
The firm warned that AI agents can misinterpret instructions, act on stale data and behave unpredictably, potentially losing the full amount deposited.
Regulatory questions remain unresolved.
FINRA's 2026 regulatory oversight report flagged autonomous AI agents as requiring novel supervision frameworks, arriving just months before the launch.
A Deloitte survey published in April found that only 21 percent of information technology and business leaders believed their organisations had a mature governance model in place for agentic AI, according to Reuters.
The launch is currently limited to equities, with options, cryptocurrency, futures and prediction markets to follow after the beta phase, the company said.
Robinhood shares rose approximately 3 percent on the news, according to Proactive, against a backdrop of strong trading momentum: equity volumes were up 54 percent year on year in the first quarter, reaching US$638bn.
The announcement comes shortly after Robinhood completed its $250m acquisition of WonderFi Technologies, the parent of Canadian regulated crypto platforms Bitbuy and Coinsquare, marking the company's entry into the Canadian market.
