robinhood-options-mobile

Multi-Account, Retirement & Connected Agents

Overview

RealizeAlpha provides complete multi-account architecture and native retirement portfolio management. Users can seamlessly toggle between taxable individual margin/cash brokerage accounts and tax-advantaged Traditional/Roth IRAs, track annual IRS contribution limits with Robinhood Gold match calculations (/retirement/history/), monitor spending/cash accounts (/rhy/accounts/), inspect and revoke external trading agents and OAuth2 integrations (/oauth2/list_external_tokens/), and stay informed with the in-app notification center (/midlands/notifications/stack/, /inbox/threads/).

Key Capabilities

1. Traditional & Roth IRA Account Architecture

Account Type Classification: Strict discrimination of brokerage_account_type (individual, ira_traditional, ira_roth) in Account and UnifiedAccount models.
Enforced Margin Restrictions: Automated enforcement of IRS and regulatory margin rules — IRAs are strictly non-margin (isMarginAccount = false) even if underlying Robinhood payloads specify margin borrowing capacity.
Multi-Account Selector: Header dropdown in SliverAppBarWidget with custom savings icons (Icons.savings_outlined) and distinct badges for Roth IRA and Traditional IRA.
Filtered Account Stores: Dedicated getters on AccountStore (store.brokerageAccounts and store.retirementAccounts) for clean separation in UI and metrics aggregators.

2. Retirement Contributions, IRS Limits & Gold Match Maximizer

Annual IRS Limit Tracking: Built-in IRS contribution limits across tax years ($7,000 baseline for 2024–2026, $8,000 for age 50+ catch-up).
PaymentHub Unified Transfers Integration: Full support for modern Robinhood PaymentHub endpoints (/paymenthub/unified_transfers/ and /paymenthub/unified_transfers/{id}/contribution/), capturing direct IRA contributions and 3% Gold matches when legacy /retirement/history/ is empty.
SDUI Contribution Metadata Parsing: Deep parsing of SDUI stacked data rows for contribution type, tax year, match percentage, and match dollar amount, with automated fallback to transfer details (enoki_amount).
Individual Contribution & Transfer Ledger: Displays individual transfer records (RetirementTransaction) under “Transfers & Contributions”, including date, contribution type, amount, and match percentage/amount.
Traditional IRA & Direct Contribution Parsing: Robust extraction of annual contribution amounts from direct contributions, total direct contributions, or unified payment transfers, ensuring Traditional IRA contributions are never erroneously parsed as $0.00.
Account-Aware Filtering: Full support for multi-account users with both Traditional and Roth IRAs, filtering contribution records by accountNumber and brokerageAccountType so accounts are never cross-contaminated.
Interactive Tax Year Selector: Horizontal choice chips allowing users to seamlessly toggle between the active calendar tax year and prior tax years (e.g. 2026, 2025, 2024) to review past contributions, with interactive selection from history list tiles.
Rollover & Transfer Transparency: Clear visual separation of rollovers (e.g. from 401(k) or 403(b) rollover transfers via ACATS) from annual direct contributions, explaining that rollovers do not count against the annual $7,000 IRS limit.
Account Total Value Display: Prominent display of total account portfolio balance alongside annual contribution progress so users immediately see funded balances even when annual direct contributions for the active tax year are $0.00.
Interactive Catch-Up Toggle: Dynamic switch in RetirementWidget toggling standard vs. age 50+ catch-up limits with instant recalculation of remaining headroom and percentage maxed.
Robinhood Retirement Match: Real-time tracking of bonus match payments (e.g. Robinhood Gold 3% match and standard 1% match) credited directly to the IRA balance.
Interactive Compounding Projection Calculator: Multi-year compounding simulation (RetirementProjectionCalculator) modeling customizable annual contributions ($1,000–$8,000), investment horizons (5–40 years), starting balance, and expected annual return rates (4%–12%).
Robinhood Gold 3% Match Optimizer: Dedicated ROI analysis displaying instant year 1 net cash bonus (after subtracting the $50 annual Gold fee), Gold break-even contribution threshold ($1,666.67/yr), lifetime compounded wealth generated strictly by the 3% match, and regulatory 5-year match retention requirements.
Tax-Advantaged Growth vs. Taxable Drag: Quantitative comparison measuring tax-sheltered compounding against equivalent taxable brokerage accounts subject to annual dividend/turnover tax drag (~1.5%/yr), calculating total estimated lifetime tax savings.
Multi-Year History & Milestone Ledger: Chronological ledger of tax year contributions, match amounts, and 5-year forecast milestone tables.
IRS Regulatory Disclosures: Clear guidance on April 15 tax deadlines, combined annual limit rules across Traditional and Roth accounts, and early withdrawal tax penalties.

3. Connected External Agents & OAuth Tokens

Connected Applications Directory: Complete inventory of third-party applications, automation scripts, and autonomous AI trading agents authenticated via OAuth2.
Token Permission Scopes: Granular visibility into approved OAuth scopes (internal, read, write, trade).
Lifecycle & Expiration Tracking: Badges displaying active or expired status with formatted creation and expiration dates.
One-Tap Token Revocation: Interactive confirmation dialog allowing users to instantly revoke OAuth2 tokens (/oauth2/revoke_token/) directly from the mobile UI.

4. Midlands Notification Center & Inbox Threads

Real-World Inbox Threads Integration: Full integration of Robinhood’s /inbox/threads/ schema alongside /midlands/notifications/stack/. Supports real thread attributes: short_display_name, avatar_color, is_critical, preview_text, rich_text, action, and interactive responses.
Intelligent Auto-Categorization: Heuristics classify threads into Orders, Options, Crypto, Futures, Dividends, IPO Access, Announcements, and Security.
Custom Asset Avatars: Dynamic avatar badges displaying ticker or short code (e.g., DOGE, BTC, /M2K, BAC, IPOA, !) with authentic hex background colors from the Robinhood API.
Critical Notice Priority Banners: Prominent warning styling and priority sorting for trade confirmations and security notices.
Real-Time Search & Unread Filters: Multi-field search filtering on title, message, symbols, and action links, plus an unread-only toggle switch.
Deep-Link Routing & Interactive Response Chips: Automatic handling for robinhood://orders, robinhood://lists, robinhood://dividends, robinhood://instrument, robinhood://trusted_devices, and quick response prompt chips (e.g. “Can I see more details? 🤓”, “I’d like to place a new order. 😎”).

Architecture & Data Flow

Robinhood / Brokerage APIs
  ├── /accounts/
  ├── /phoenix/accounts/unified
  ├── /retirement/history/
  ├── /paymenthub/unified_transfers/
  │     └── .../{id}/contribution/ (SDUI Metadata)
  ├── /acats/
  ├── /rhy/accounts/
  ├── /oauth2/list_external_tokens/
  ├── /oauth2/revoke_token/
  ├── /midlands/notifications/stack/
  └── /inbox/threads/
            │
            ▼
IBrokerageService
  ├── getAccounts()                     ──► List<Account>
  ├── getRetirementHistoryModel()       ──► RetirementHistory
  ├── getUnifiedTransfers()             ──► List<dynamic>
  ├── getUnifiedTransferContribution()  ──► Map<String, dynamic>
  ├── getSpendingAccountModel()         ──► SpendingAccount?
  ├── getExternalTokensModel()          ──► List<ExternalToken>
  ├── revokeExternalToken()             ──► Future<bool>
  ├── getNotificationStackModel()       ──► List<NotificationItem>
  └── getInboxThreadsModel()            ──► List<NotificationItem>
            │
            ▼
UI Dashboards & Widgets
  ├── SliverAppBarWidget (Multi-account switcher with IRA tags & savings icons)
  ├── RetirementWidget (Contribution progress, IRS limits, match tracker, history, individual transfers)
  ├── ConnectedAgentsWidget (Connected apps, permissions, revoke access)
  ├── NotificationCenterWidget (Category chips, stack cards, announcements)
  └── UserWidget (Settings entry points under Banking & Documents)

`RetirementWidget` (`lib/widgets/retirement_widget.dart`)

Accessible from UserWidget under “Banking & Documents” -> “Retirement & IRA”.
Shows account overview hero card with tax-advantaged badge, Total Account Value (TAV) (resolved via portfolio equity, account total value, or settled rollover transfers), and distinct Cash / Buying Power row when cash balance differs from total portfolio equity.
Current tax year linear progress bar with percentage maxed and remaining headroom.
Age 50+ catch-up limit toggle switch.
Embedded Retirement Planner & Gold Match Maximizer (RetirementProjectionCard):
- Live projected retirement balance headline with 3-segment stacked progress bar (Principal, Compounded Growth, Match Wealth).
- Robinhood Gold 3% Match Optimizer callout showing Year 1 net cash bonus (after $50 annual Gold fee), Gold break-even contribution requirement ($1,666.67), compounded match wealth, and 5-year match retention rule.
- Interactive sliders and quick-choice chips for annual contributions ($1,000–$8,000), retirement horizon (5–40 years), expected returns (Conservative 6%, Moderate 8%, Aggressive 10%), and match tiers (Gold 3%, Standard 1%, 0%).
- Expandable tax-sheltered growth vs. taxable drag comparison demonstrating estimated lifetime tax savings.
- Expandable 5-year milestone forecast table.
Lifetime total contributions and match earnings cards.
Historical contribution cards by tax year with match details.

`ConnectedAgentsWidget` (`lib/widgets/connected_agents_widget.dart`)

Accessible from UserWidget under “Banking & Documents” -> “Connected Agents & Apps”.
Overview & Security Header: Active connections indicator, 3-metric breakdown (AI Agents, Linked Hubs, Direct Apps), and collapsible Security & Delegated Authority Guidance.
Dynamic Search & Multi-Category Filtering: Instant search by application name, client ID, agent ID, or account number; category filter chips for All, AI Agents, Linked Services, and Direct Apps, plus Active Only filter.
Sorting & View Mode Controls:
- Sorting: Recently Active, First Authorized, Alphabetical (A-Z), and Category (AI Agents First).
- View modes: Rich detailed cards and space-efficient compact list tiles.
AI Agent Execution Highlighting: Purple gradient branding (Icons.psychology), Agent ID copy-to-clipboard, authorized account pills, and autonomous trade execution indicator.
Integration Inspection Bottom Sheet: Detailed slide-up modal with granted scopes breakdown (plain English descriptions), cryptographic identifiers with one-tap copy, connection lifecycle timestamps, technical JSON payload viewer, and prominent revocation button.
Safety Revocation Dialog: Danger-themed confirmation prompt showing Token ID and Agent ID before terminating delegated access.

`NotificationCenterWidget` (`lib/widgets/notification_center_widget.dart`)

Accessible from UserWidget under “Banking & Documents” -> “Notification Center”.
Dynamic Search Bar: Filter notifications in real time across symbols, titles, message body, and actions.
Multi-Category Filter Chips: Horizontal scrolling filter bar with live item counts for All, Orders, Options, Crypto, Futures, Dividends, IPO Access, Announcements, and Security.
Status & Toggles Bar: Shows unread badge count, “Unread only” filter toggle, and “Mark all read” button.
Card Aesthetics: Color-matched circular avatars displaying instrument symbols (e.g. DOGE, BTC, /M2K, BAC, IPOA), critical priority warning banners, bold unread dots, and relative timestamps (e.g. Just now, 2h ago, Yesterday).
Interactive Action Buttons & Deep Linking: Direct triggers for order details (robinhood://orders), watchlists (robinhood://lists), dividend summaries (robinhood://dividends), stock views (robinhood://instrument), and device security (robinhood://trusted_devices).
Interactive Prompt Responses: Tappable response chips directly from thread notifications with instant user feedback.
Expandable Messages: Automatic “Show more” / “Show less” toggle for lengthy announcement texts.