Scalable Capital lets ChatGPT trade real money

Scalable Capital's move is part of a broader trend among brokerages to integrate AI more directly into investing. In the US, Robinhood launched Agentic Trading and an Agentic Credit Card on May 27, allowing an external AI agent to trade in a dedicated sub-account. Interactive Brokers launched Ask IBKR in October as an advisory-only tool, while Public introduced AI agents that can execute trades and manage risk, and also lets customers connect Claude Desktop directly to real accounts.

This launch targets a specific group: power users who already use AI for many tasks monthly. PYMNTS Intelligence found that 10% of all consumers and 19% of millennials use AI for 27 or more tasks a month, with activity including investment management. These users' reliance is growing; their average monthly task count rose from 25 in September to 27 in December, and 75% have used AI for at least a year.

Scalable Capital's approach — letting outside AI models connect via an open standard — contrasts with Robinhood's isolated sub-account and Interactive Brokers' advisory-only tool. This could signal a future where AI plays a larger role in personal finance, but the requirement for explicit confirmation on trades suggests caution remains a priority.