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@Djtux, thanks for clarifying that Robinhood does not use Apex anymore. I actually checked Robinhood web site before posting my reply, and found they mention Apex (https://robinhood.com/us/en/support/articles/360001215203/common-tax-questions/). But I did not notice they wrote in one of the answers they started to use Robinhood Securities as their clearing platform in 2018. Well, this is a big warning sign. As Apex is quite respectful firm that exists many years. And who knows what Robinhood Securities is - looks like an affiliated firm with Robinhood brokerage. So effectively they are self-clearing now.