Robinhood VP Johann Kerbrat called T+1 stock settlement "an antiquated relic" at Consensus 2026 — and he's right.

2,000 tokenized U.S. stocks already live in Europe. Instant settlement is the next target.
In systems engineering, T+1 has a name: deferred failure mode.
You execute a trade. You don't know if it settles until tomorrow.
In high-load environments — market crashes, volatility spikes — that 24-hour window is where systemic risk lives.
Robinhood Chain is built on Arbitrum for a specific reason.
Atomic settlement: trade execution and ownership transfer in the same transaction.
No window. No counterparty exposure. No freeze.
The SEC confirmed tokenized stocks are securities — blockchain format changes nothing legally.
But it changes everything operationally.
Regulatory compliance and settlement architecture are two different problems.
The industry is finally starting to solve both at the same time.
#RWA #Robinhood #Arbitrum