Robinhood Chain, which launched on July 1, blocks U.S. persons from its tokenized Nvidia and Tesla stock, but experts warn that AI agents and third-party wallets can bypass this front-end geo-blocking. Built on Arbitrum’s Nitro stack, the network uses a single Robinhood-operated sequencer with no permissionless fallback, while its smart contracts remain open. Stock Tokens, issued through Robinhood Assets (Jersey) Limited, are available in more than 120 countries but barred from U.S. persons under securities law. Trust Wallet recently integrated with Robinhood Chain, joining other third-party wallets that can access the same contracts without Robinhood’s app. MinChi Park, co-founder of Coinfello, said front-end geo-blocking "protects the issuer" but "does much less to protect the user," adding that if a restriction disappears with a third-party wallet, "it was never a compliance mechanism. It was a liability shield." Meanwhile, Robinhood Earn, a Morpho-powered lending product paying roughly 7% APY on USDG, began rolling out to eligible U.S. customers on the same chain early last month, reaching Robinhood’s 27.7 million funded customers holding $377 billion in platform assets. Park noted, "Regulation attaches to the wrapper, while composability attaches to the asset," with each product carrying its own issuer and jurisdictional perimeter.