---
type: "Topics"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/topics/38619395.md"
description: "The financial penetration rate in the US is high, and the competition among trading platforms is truly fierce. Each generation has its own wallet, and Hood aims to achieve intergenerational transfer of wealth accounts by creating the first wallet for young people.However, in front of MrBeast's users, Hood users have become the 'middlemen' again. Beast acquired Step, a financial application platform for teenagers under 18. If Step, with Beast's support, successfully helps tens of millions of teenagers establish the habit of 'banking + credit + simple investing' before they turn 18, and smoothly transitions them to adult accounts, then when these people need to open more complex trading accounts in their 20s, will they still choose Robinhood?$Robinhood(HOOD.US)"
datetime: "2026-02-09T18:36:05.000Z"
locales:
  - [en](https://longbridge.com/en/topics/38619395.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/38619395.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/38619395.md)
author: "[lyhalfway](https://longbridge.com/zh-CN/profiles/3372973.md)"
---

> 支持的语言: [English](https://longbridge.com/en/topics/38619395.md) | [繁體中文](https://longbridge.com/zh-HK/topics/38619395.md)


# The financial penetration rate in the US is high, …


### 相关股票

- [STEP (002527.CN)](https://longbridge.com/zh-CN/quote/002527.CN.md)
- [Robinhood (HOOD.US)](https://longbridge.com/zh-CN/quote/HOOD.US.md)

## 评论 (21)

- **半山外賣仔 · 2026-02-10T06:18:52.000Z**: It's getting harder and harder for exchanges to break through, and that BLSH that Cathie Wood is still buying is even more uncertain about which backup plan it's been relegated to.
  - **lyhalfway** (2026-02-10T06:34:46.000Z): Besides exchanges, BLSH also has Coindesk, which is considered the largest media platform in the crypto field. It needs to have some differentiation.
  - **半山外賣仔** (2026-02-10T06:55:26.000Z): Yes, it's just that we don't know how long the battle will last.
- **康康先森 · 2026-02-10T00:43:35.000Z**: So, is it the US version of Huabei?
  - **lyhalfway** (2026-02-10T00:49:09.000Z): Huabei is just a credit loan, but here there are also savings and investment functions.
- **343SPARK · 2026-02-09T23:46:09.000Z**: How much money can someone under 18 have?
- **互联网巴韭特 · 2026-02-09T23:20:06.000Z**: 🤔 It won't have much impact on hood, but it might affect $SoFi Tech(SOFI.US)
  - **lyhalfway** (2026-02-10T00:36:09.000Z): Hmm, it's possible. Sofi's main business is student loans. There aren't many underage investors, and most of them are still issuing credit cards.
- **巴菲Te北京分特 · 2026-02-09T23:09:56.000Z**: In the US, can minors also open accounts to invest?
  - **lyhalfway** (2026-02-10T00:29:37.000Z): Yes, but it must be registered and activated by parents.
  - **巴菲Te北京分特** (2026-02-10T02:03:06.000Z): Got it😅
- **图图要有耐心 · 2026-02-09T19:12:37.000Z · 👍 1**: Uncle Yaren, still not sleeping?
- **KK园区交易员 · 2026-02-09T18:51:34.000Z**: Ah~ hard to bear, it's too competitive, we'll just have to take it one step at a time.
- **风风 · 2026-02-09T18:43:33.000Z**: Let's see after the earnings report comes out, not sure if it will drop. The earnings report won't be too good.
  - **lyhalfway** (2026-02-09T18:48:43.000Z): This news won't have much impact on the current stock price.
  - **风风** (2026-02-09T18:49:39.000Z): Okay, thank you, Uncle Yaren.
- **有耐心+幸运 · 2026-02-09T18:39:18.000Z**: I remember my brother bought hood before.
- **有耐心+幸运 · 2026-02-09T18:38:48.000Z**: Bro, will the changeover be this fast?
  - **lyhalfway** (2026-02-09T18:40:39.000Z): It won't be that fast, I'm just lamenting that the competition among exchanges is too fierce.
  - **柚子梦** (2026-02-09T18:44:10.000Z): What's this? Let's study China's situation. Compared to the rat race, the US is heaven.
  - **有耐心+幸运** (2026-02-09T18:44:46.000Z): That means the moat isn't very wide.