Welcome to Nofinity

On May 15, 2025, Robinhood held its 'World is Flat' event, unveiling the Robinhood Chain. The mission: democratize access to financial products globally using blockchain technology.

🚀 Key Announcements

• Tokenized Stocks on Robinhood Chain:
  • 1:1 backed by real stocks (e.g., Apple)
  • Includes dividends and corporate actions
  • Freely and permissionlessly transferable – even to Ethereum L1 via bridges
  • Tradable 24/7 on Uniswap
  • Redeemable for actual stocks in Robinhood brokerage (for institutions, in progress)
• 7% Yield on USDG Stablecoin directly in the main app:
  • Deposits flow into Morpho vaults on Robinhood Chain
  • Self-custody: A smart wallet is automatically created upon deposit
  • Keys are exportable – full user control
• Perpetual Contracts (Perps):
  • Non-crypto Perps (Gold, Silver, QQQ, WTI) via Bitstamp (regulated, up to 10x leverage) – available in the Robinhood Europe app
  • Crypto-native Perps via Lyra in the Robinhood Wallet (self-custody, up to 250x leverage) – available in 100+ countries
  • Lyra built a custom instance on Robinhood Chain
• Technical Foundation:
  • Robinhood Chain is an Arbitrum Orbit Chain (EVM-compatible)
  • Enables low gas fees and easy bridging to Ethereum
  • Over 1 million transactions in the first 24 hours

🧠 Strategy & Vision

• 'The World is Flat' – Robinhood aims to remove barriers and give everyone access to US stocks, perps, and other financial products.
• Hybrid Future: Traditional finance systems will increasingly be replaced by blockchain tech – faster settlement, more transparency, lower costs.
• Target Audience: Not just crypto natives, but primarily newcomers – simple UX, no complicated bridges or seed phrases.
• Regulation: Perps in the US main app are only a matter of time – the tech and interface are ready.

➡️ How to Get Started on Robinhood Chain

1. Download the Robinhood Wallet (available in 100+ countries)
2. Fund the wallet via Apple Pay or Google Pay
3. Trade perps, buy tokenized stocks, or deposit USDG to earn yield
4. Give feedback – Robinhood wants to build with the community.

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Why Heating is Getting More Expensive (And What You Can Do About It)

• Gas price increase: The gas price has risen by two and a half times since January 2025.
• Main reason: The conflict in Iran and the blockade of the Strait of Hormuz, through which a quarter of the world's shipped oil and a fifth of its liquefied natural gas (LNG) passes.
• Global impact: Although Germany is hardly directly affected, global market prices are rising for everyone.
• Gas storage: The targeted fill level of 80% before winter is not expected to be reached.

Important: The average gas price is falling temporarily for existing customers because utilities purchased cheaply and the gas storage levy was dropped. However, new customer tariffs are over a third more expensive. Price increases of 10-20% are expected for existing customers at the turn of the year.

• Network charges: Make up about one-fifth of the gas price and have risen by 10%.
• CO₂ price: Was 55 € per ton in 2025, currently between 55 and 65 € per ton in 2026.

Free & Easy Tips

1. Bleed your radiators: Especially important on upper floors. Air in the system reduces efficiency. Easily done with a radiator key from a hardware store.
2. Ventilate properly: Open windows wide several times a day instead of leaving them tilted constantly. A hygrometer helps monitor humidity and prevent mold.
3. Heat strategically: Every degree you lower the thermostat saves roughly 6% heating energy. Heat rooms according to their use (see recommendations from the German Environment Agency).
4. Circulate the air (with high ceilings): A fan on a low setting distributes warm air more effectively in the room.
5. Close stairwell and apartment doors: Prevents cold drafts and heat loss.

Tips with a Small Budget & Effort

6. Seal windows and doors: Check for drafts (e.g., with a strip of paper) and seal them with draft excluder tape from a hardware store. Savings: approx. 13 € per window per year.
7. Use a low-flow shower head: Reduces hot water consumption (approx. 12% of energy use) and saves money.

Financial & Strategic Tips

8. Secure current prices: If you have your own gas contract, switch to a tariff with a price guarantee to lock in the current rate for a year.
9. Check your utility bill!
   • Deadline: Your landlord must present the bill for 2025 by Dec 31, 2026. If it is late (due to their fault), you don't have to pay the balance.
   • Apportionment: Check if costs are distributed fairly.
   • Disallowed costs: Repair costs, bank charges, or postage cannot be passed on by the landlord.
   • Right to reduce payment: If heating costs are not billed based on consumption, you can reduce your share by 15%.
10. Adjust monthly advance payments: Increase your monthly payments or build a small reserve in a savings account to avoid unexpected large bills.

You are not helpless against the price increases. With the tips mentioned alone, an average of 465 € per year per apartment can be saved. Act now, because your consumption this winter will determine the amount of your additional payment in 2027/2028.

Further Information:

• The full interview with energy economist Malte Küper is available on the Finanzus podcast.
• A detailed guide on checking your utility bill is available in the newsletter.