Why Willow exists
Robinhood Chain created a new kind of user. Nothing existed to serve them.
The Robinhood Chain moment
Robinhood Chain launched its mainnet on 1 July 2026: a permissionless, EVM compatible network with block times around 100ms and native support for smart accounts. It processed more than 17 million transactions in its first week. Its purpose is explicit: to put real world assets such as tokenized stocks, ETFs and regulated stablecoins onto open rails that anyone can build on.
That launch created a new class of user, the onchain portfolio holder. Millions of people, overwhelmingly outside the United States, now hold tokenized equities and digital dollars in self custodial wallets on a network that runs around the clock.
And none of that value could be spent at a point of sale.
Three ways spending crypto breaks
The cash out
The default path runs through an exchange. Withdraw, convert, transfer to a bank, wait, then spend. Every step adds delay and cost, and the funds stop earning at step one.
The bridge maze
Most crypto cards live on other networks. Bridging means gas, slippage, and balances split across two ecosystems. For a mainstream user this path effectively does not exist.
The dead money prepaid
The cards that do work make you preload a balance that sits idle, custodied by someone else, earning nothing. The more responsibly you fund your card, the more it costs you.
Willow removes all three. No cash out, because you spend from your wallet. No bridge, because it is native to Robinhood Chain. No dead money, because balances earn until the moment they leave.
Willow is not affiliated with, endorsed by, or sponsored by Robinhood Markets, Inc. All trademarks belong to their respective owners. Not available to US persons.