Robinhood is building the financial superapp.

After a decade of unbundling with separate apps for trading, banking, and crypto, the next era will be defined by rebundling as fragmentation strands capital.

Robinhood's play is to centralize liquidity and maximize velocity. By keeping everything in one place, Robinhood is able to own the balance and the behavior.

As assets move from baby boomers to a digital native generation, Robinhood wants to be the on ramp where that cohort manages their wealth.

The signal is already visible in Robinhood’s balance sheet: Retirement AUC hit $24.2B in mid-2025, doubling YoY, proving the platform is graduating from a trading app to a wealth manager.

Crypto has become comparable to their options transaction revenue and shows how crypto has become a major business line.

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