Robinhood rolls out AI agents that can trade customers’ money

Robinhood is beginning to put AI agents inside its app that can research investments and place trades for eligible U.S. customers. The change brings an assistant’s suggestions closer to a customer’s money: trade approval starts switched on, but customers can disable it and let the agent submit eligible orders without asking each time.

The phased rollout follows Robinhood’s May launch of accounts for customers connecting their own outside agents. Its rollout page now lists the built-in Robinhood Agents experience as beginning to reach customers, with no date for universal eligible access. Loops, a feature intended to run trading instructions repeatedly in the background, remains forthcoming.

The most useful distinction is between money the agent can trade and information it can see. Robinhood confines its trading to a dedicated account funded by the customer. Its documentation also allows access to portfolio information from other Robinhood accounts. Separating the funds does not make those other holdings invisible.

According to Robinhood’s trading controls and setup guidance, built-in Agents start with approvals on. Accounts connected to external agents through Model Context Protocol, the connection that lets an AI use Robinhood’s tools, start with approvals off. Customers can change either setting. That difference matters for anyone assuming all Robinhood agents begin with the same requirement for human review.

With approvals off, the agent can submit eligible orders without confirmation, although Robinhood says some trades may still require approval. It does not identify every trade or model combination that triggers that extra check. The customer chooses how much money to commit to the dedicated account, but that boundary does not protect the committed investment from losses.

Loops would extend this authority over time. In its September 29 announcement, Robinhood describes standing instructions that could check markets each morning or pursue an overnight strategy. Its disclosures say Loops may place, modify or cancel trades while the customer is away, without a prompt for each transaction. Public materials do not explain whether activating a Loop requires switching global trade approvals off or granting separate standing permission.

• May 27, 2026Robinhood launches bring-your-own-agent trading in beta, initially supporting equities.
• July 29, 2026Robinhood reports nearly 100,000 agentic accounts and more than $100 million in assets under custody.
• September 29, 2026Robinhood announces built-in Agents. Its rollout guidance says access is beginning to reach eligible customers over time.
• Coming soonLoops would let customers establish recurring instructions that continue running in the background. No launch date is established.

The financial responsibility remains with the customer under Robinhood’s stated terms. Its current customer agreement says authenticated agent instructions become final and binding when Robinhood receives them. It disclaims liability for losses caused by agent errors or malfunctions, and says revoking access does not obligate Robinhood to cancel or unwind instructions already received.

That is Robinhood’s asserted contractual allocation of responsibility, not an independent legal ruling. The company retains the ability to restrict or suspend order entry for legal, security, regulatory or operational reasons. Its customer guidance nevertheless puts reviewing activity and monitoring positions on the user, including when an agent misunderstands instructions or acts on outdated information.

Robinhood says more than 150,000 customers had opened agentic trading accounts by September 29. There is an earlier public checkpoint: its July 29 earnings disclosure reported nearly 100,000 accounts holding more than $100 million. Both measurements came from Robinhood; the earlier figure’s appearance in an SEC-hosted exhibit does not independently audit it.

Independent coverage from Fortune and CoinDesk attributes the September count to Robinhood rather than independently verifying it. The published figures do not establish how many customers funded an account, kept using it or made an agent-generated trade. Robinhood’s additional claim of almost 30 million daily tool uses is not a count of trades or unique active customers. None of those gaps demonstrates that the account count is wrong.

The consequential choice is whether to retain approval of each order. The built-in experience makes delegating trades easier, but the published evidence does not establish better investment results. Before Loops arrives, Robinhood still needs to make one boundary explicit: exactly when permission for an ongoing strategy replaces the customer’s decision on an individual trade.