eToro isopening its Platinum+ membership tier to subscribers for $14.99 a month or$149.99 a year, removing a $50,000 account-balance requirement that previouslygated the broker's higher-end perks. TheNasdaq-listed firm announced the upgraded plan today (Tuesday), building on acheaper Platinum subscription it introduced last year.Singapore Summit: Meet the largestAPAC brokers you know (and those you still don't!)The planwill roll out first in the United Kingdom and the European Union, with otherregions to follow, and includes a seven-day free trial. It extends a Platinum-tier subscription eTorointroduced in November at $4.99 a month, which first opened the broker's loyaltybenefits to users sitting below its balance thresholds.From Balance-Gated VIP toPay-to-Access PerksTopbenefits of Platinum+ include a Black Visa debit card paying 4% back in stockson everyday purchases, a dedicated account manager, a 40% discount on currencyconversion fees, 3.55% interest on cash balances, and an 85% revenue share oneligible crypto staking, according to the firm. Subscribersalso get unlimited access to Tori, eToro's AI investing companion, whichincorporates real-time market sentiment from X via Grok 4.2, plus acomplimentary digital subscription to The Wall Street Journal.ExistingPlatinum subscribers can upgrade immediately, with the remaining balanceprorated, eToro said."Theupgraded plan allows even more investors to access enhanced rewards,professional tools and premium experiences regardless of the balance in theirtrading account," Etay Cohen, eToro's Chief Customer Officer, said in astatement.Robinhood's SubscriptionPlaybook Goes MainstreameToro isleaning on a model that Robinhood has spent years building out. Robinhood Gold,priced at $5 a month, ended the third quarter with 3.9 million subscribers and roughly$88 million in subscription-related revenue for the period, double the year-earlierfigure, according to the US broker's November earnings release.Robinhoodhas steadily widened its premium-tier ecosystem with a Gold credit card payingup to 3% cashback, a 4% APY savings product launched in 2025, and a discounted mortgage benefit througha partnership with Sage Home Loans introduced later that year. Trading 212and Revolut have moved in similar directions in Europe, layeringinterest-bearing accounts and tiered card products onto their core tradingapps.A Public Company in Searchof Steadier Cash FlowThe pushhas particular urgency at eToro, which completed its Nasdaq IPO in May 2025 at a valuation of about $4.8billion. Sincelisting, the firm has rolled out new products at a fast clip, includingAI-built Alpha portfolios, a stock-lendingprogram for European clients, and a 1% crypto-to-stock cashback programaimed at addressing its heavy revenue concentration in digital assets, whichaccounted for 91% of second-quarter revenue.Subscriptionincome is, in principle, less correlated with the next crypto cycle. eToro hasnot disclosed how many users signed up for the November Platinum plan, thefigure that will determine whether Platinum+ moves the needle on earnings orsimply repackages the existing rewards program for a paying audience.This article was written by Damian Chmiel at www.financemagnates.com.