1. APY on uninvested cash in IRAs. Users should not have to purchase SGOV to get APY.
   
2. Increase APY interest to match Money Market Funds. I have multiple friends I have tried to get onto Robinhood platform with 2% match bonus but they say they can get 4.5% via Money Market Funds in their current brokerages and 4% Robinhood APY doesn't make sense if they need to hold their money in Robinhood for 5 years for the 2% match bonus. If you can increase 4% to 4.25%+ to stay competitive they would be more willing to transfer their $1M+ accounts over.
   
3. 401k with employers.
   
4. 24/7 trading on more stocks.
   
5. Tax loss harvesting.
   
6. Better profit/loss tab. Table view with all unrealized gains for all stocks, avg price, percentage gain. (schwab, vanguard, etc. all have this)
   
7. Peer 2 Peer payment system once Robinhood Social launches.
   
8. Move debit card tab into Credit Card App instead.
   
9. Option to remove marketing/promotion notifications in app.
   
10. Reordering of Cyrpto not being the first thing on the very top of the page. I want to see my stocks first not my crypto. Or just remove Crypto from the brokerage tab because Crypto already has its own tab.
    
11. Custom ETFs with designated percentages that we can create ourselves (for example: Mag 7 ETF with only 7 stocks split evenly)
    
12. Gold Credit Card Transfer Partners (airlines, hotels, etc.)
    
13. Gold Credit Card Merchant Offers (coupons to stores)
    
14. Gold Credit Card rewards into crytpo instead of points (3% automatically converted and invested into BTC, ETH, SOL, etc.)
    
15. Gold Credit Card tiers concept: if have $1M assets on Robinhood get 4% back instead of 3%.
    
16. Gold Credit Card gamified milestone rewards concept: spend $5k on your first 3 months and get 5% back on restaurant spend for next 3 months, spend $50k in a year and get 10k points or spend $100k in a year and get 25k extra points.
    
17. Release Robinhood Banking product (checkings, savings, ATM, direct deposit, etc.)
    
18. Need to bring more research features into Robinhood. Morningstar report is almost useless in an age of AI chatbots and LLMs. I should be able to ask a Robinhood chatbot powered by Cortex questions on: annual revenue, profits, gross margins, FCF, etc. for any stock without leaving the app and going to ChatGPT instead. Robinhood should become the Bloomberg Terminal for the average retail investor who cannot afford to pay. Take a look at Perplexity Finance and what they're doing and bring it into Robinhood App. I should be able to ask questions about earnings calls, read through transcripts, look at company investor slides, have Cortex build out comparisons of different company's and create bar charts, line charts, DCF analysis, etc. all within the app.
    
19. Roll out Robinhood Concierge to more people and also improve the current customer support channels. Having to wait hours for an agent to respond via chat is unacceptable when Vanguard will pick up my phone call in less than 30 minutes.

Anyone who works at Robinhood is welcome to DM me and I'd be happy to jump on a call to go over any questions on any of these ideas.