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My understanding (which is limited, so someone please jump in if I'm wrong) is that SIPC does not protect against a decline in value of your assets.

I'm wondering:

First, whether Robin Hood is lending out deposits to margin traders. If not, what are they doing with the money? I don't think that they are, as the article implies, making > 3% on US treasuries.

Second, if that investment loses money, are those losses passed on to account holders? If not, someone must be insuring that investment. Who?



> SIPC does not protect against a decline in value of your assets.

Neither does FDIC, right? Still doesn't explain what FDIC "blanket" coverage offers that SPIC doesnt




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