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📊 Executive Summary
Robinhood launched "Agentic Finance" on May 27, 2026, opening two MCP (Model Context Protocol) servers to external AI agents: one for trading and one for banking / credit card. Both use StreamableHTTP transport with OAuth 2.0 browser-based authentication. Hermes Agent's native MCP client fully supports this protocol — connection is feasible and straightforward.
🌐 The Two MCP Servers
| Property | Trading MCP | Banking MCP (Credit Card) |
|---|
| URL |
https://agent.robinhood.com/mcp/trading |
https://banking-agent.robinhood.com/mcp/banking |
| Transport |
StreamableHTTP (standard MCP) |
| Auth |
OAuth 2.0 — browser-based onboarding flow |
| Purpose |
Read portfolio, place/cancel equity trades, search tickers |
View virtual card details, spending history, card settings |
| Scope |
Dedicated "Robinhood Agentic account" (separate brokerage) |
Read-only access to the agentic virtual card only |
🛠️ Trading MCP — Tool Catalog 10 tools
| Tool | Description |
|---|
get_accounts | View all your Robinhood accounts |
get_portfolio | Portfolio snapshot — total value, values by asset class, real-time buying power |
get_equity_positions | Open equity positions with quantity and cost basis |
get_equity_quotes | Real-time equity quotes and prior close (up to 20 symbols) |
get_equity_orders | Equity order status history |
get_equity_tradability | Check if a symbol can be traded and if fractional shares are available |
review_equity_order | Simulate an equity order and get pre-trade warnings |
place_equity_order | Place an equity order |
cancel_equity_order | Cancel an open equity order |
search | Find company name or partial name → ticker symbol |
⚠️ Current Limitations: Long equities only (no options, crypto, futures — "coming soon"). Agentic account is a separate self-directed individual brokerage account. Max 10 self-directed accounts total including the Agentic account.
💳 Banking MCP — Capabilities Read-only
- Fetch agentic virtual card number details
- View transaction / spending history on the agentic virtual card
- View card policies and settings
- Does NOT browse the internet or find items to buy — the agent must reach checkout on its own, then fetch card details
🛡️ Credit Card Safety Controls:
- Approve-each-purchase mode — notification + approval in Robinhood app
- Monthly spending limit — required if auto-approve is enabled
- Agent can only access the agentic virtual card — not your main card or account
🔐 Authentication Flow (both servers)
- Configure the MCP URL in your AI platform
- On first connect, Robinhood returns an OAuth authorization URL
- User opens the URL in a desktop browser (mobile is NOT supported for setup)
- User authenticates with Robinhood and authorizes the agent
- For Trading: user creates the Agentic account during onboarding
- For Banking: user creates the agentic virtual card during onboarding
- MCP connection is now authorized — tools become available
⚠️ Important: Onboarding only works on desktop. If connecting from a mobile device, copy the onboarding URL and open it on a desktop browser.
🤖 Hermes Compatibility Assessment
✅ YES — Hermes can connect. Hermes's native MCP client (documented in
native-mcp skill) supports:
- StreamableHTTP transport — the exact transport Robinhood uses
- HTTP headers for auth tokens if needed
- OAuth flows — user completes auth in a browser; Hermes then uses the session
- Tool auto-discovery — tools appear as
mcp_robinhood_trading_* and mcp_robinhood_banking_*
⚙️ Configuration (~/.hermes/config.yaml)
mcp_servers:
robinhood-trading:
url: "https://agent.robinhood.com/mcp/trading"
timeout: 180
connect_timeout: 60
robinhood-banking:
url: "https://banking-agent.robinhood.com/mcp/banking"
timeout: 180
connect_timeout: 60
📋 Prerequisites
- Install MCP SDK:
pip install mcp (currently NOT installed)
- Add config to
~/.hermes/config.yaml
- Restart Hermes to trigger MCP discovery
- Complete OAuth flow in a desktop browser when prompted
⚠️ Potential Hurdles
- Rolling availability: Agentic Trading is "currently rolling out" — not available to everyone yet. Robinhood emails users when they get access.
- OAuth callback: The OAuth flow requires a desktop browser. Hermes will need to surface the auth URL to the user. The native MCP client may or may not handle the full OAuth redirect dance automatically — if not, the user manually completes auth in the browser and the session is established.
- Desktop-only setup: Scott needs a desktop browser for initial setup. After setup, the MCP connection persists across Hermes restarts.
- Separate accounts: Trading requires opening a new "Agentic account" — a separate brokerage account funded independently from the main account. The credit card is a virtual card on the existing Gold Card.
🖥️ Supported AI Platforms (per Robinhood docs)
Claude CodeClaude DesktopChatGPTCodexCodex CLICursorOpenClawOther MCP Platforms
Hermes falls into the "other platforms" category and uses the same standard StreamableHTTP MCP transport.
🚨 Key Risks & Caveats (from Robinhood disclosures)
- Agentic trading involves significant risk — possible loss of entire investment
- AI agents can make errors, misinterpret instructions, act on incomplete/outdated information
- Robinhood does NOT guarantee accuracy, completeness, or suitability of agent output
- Robinhood is NOT responsible for losses from agent-generated decisions
- User is ultimately responsible for all trades and purchases
- Once data is shared with an AI provider, it leaves Robinhood's security environment
- Trades can be executed without direct input if the user configured the agent that way