Is it safe to let AI trade your Robinhood account?

Letting AI trade can lose you money; no setup changes that. What a good setup does is limit how much it can reach, show you everything it does, and keep your credentials and your money where they are. Here’s what limits an agent in Agency, and what risk is left.

• A separate account. Agents trade only your Robinhood Agentic account, never your other Robinhood accounts.
• A hard slice. Each agent spends only the cash you gave it and sells only what it holds. The app checks this on every order, so no prompt or model mistake can make it spend more.
• No money movement. Neither Agency nor Rallies can move money in or out of Robinhood. Your money stays at Robinhood, the broker that holds it.
• No leverage. No margin, borrowing or shorting, and no selling options to open.
• Your password stays with Robinhood. You approve the connection on Robinhood’s own page. Agency keeps the connection encrypted on your Mac.
• Everything is shown. Every trade appears with its reason, and a trade you ask for in chat waits for your Confirm.

• Losses. An agent can lose money within its slice, including all of it. Nothing guarantees a return or caps a loss.
• AI mistakes. Plans, notes and decisions come from AI models and can be wrong, outdated or unsuitable for you. No person reviews them before an agent acts.
• Data mistakes. Quotes and research data can be delayed or wrong, and a quote doesn’t guarantee a fill.
• Timing. Agents act only at their reviews, while Agency is open on an awake Mac. They don’t react to a crash between reviews, though orders already resting at Robinhood can still fill.

• Put only what you can afford to have an AI manage into the Agentic account. The minimum per agent is $10.
• Write rules with numbers into the plan, like a cap on any one stock.
• Read the first look before you fund an agent; if it doesn’t match your plan, change it first.
• Read the notes for the first few weeks before adding money.
• Pause reviews before long trips, and ask an agent for a resting stop order if a price matters to you.
• Check the account in the Robinhood app any time; Robinhood’s records are the source of truth.

The Disclosures set out what Agency is and isn’t. For how agents decide, see how an AI portfolio manager works.