Here's how it works. The Flawed Economics of Robinhood: Why Users Are Better Off Without It. They seem to have finally launched margin accounts in September, 2016, but I was only selected for so-called "Robinhood Gold" this week. The fee isn’t a percentage of money borrowed, as with a traditional margin service; but rather it is a flat monthly charge. Worse, users will lose more and more money in aggregate as they increase leverage on their investments using margin lending. The company also has cash management options coming soon. Cryptocurrency trading is offered through an account with Robinhood Crypto. We believe that even complex tools like using leverage can be made focused, straightforward, and powerful. Robinhood Financial LLC is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Robinhood Gold unlocks: Robinhood Crypto is not a member of FINRA or SIPC. ... “Robinhood Gold” which includes access to margin lending and advanced trading features, and interest on margin loans.