Case Study: Robinhood achieves $100M in unlocked instant funds with Plaid Signal

How Robinhood unlocked millions in instant funds

Robinhood, the commission-free trading app with over 23 million customers, faced a tradeoff between offering instant account funding and protecting its bottom line from ACH settlement risk and fraud. To keep instant trading promises while reducing exposure, Robinhood turned to Plaid and implemented Plaid Signal.

Plaid deployed Plaid Signal’s machine‑learning scores (including bank‑initiated and customer‑initiated return predictions) and more than 60 predictive insights to flag risky activity and fast‑track low‑risk deposits. Using Plaid, Robinhood unlocked about 1.5% more instant funds—roughly $100 million annually—improving onboarding, reducing returns risk, and enabling more customers to start trading immediately.

Robinhood

Omid Scheybani

Head of Partnerships and Business Development