Stonk Chat — Whitepaper

01Abstract

Stonk Chat is a chat-first trading interface. Instead of forms, order books and dropdowns, you trade by typing what you want in plain English. The interface parses your intent, pulls live prices, builds an executable quote, and settles the trade on-chain through your own wallet — non-custodially and gasless on Robinhood L2.

There is no SDK to learn and no API key to manage. The entire interface is a single chat box. You type a sentence like “swap $50 of ETH to AAPL”, review the resulting quote, and confirm.

02The problem

Trading tokenized real-world assets — stocks, ETFs — today means learning a trading terminal. Pick a pair. Pick a direction. Enter an amount. Set slippage. Approve the token. Confirm. Each step is friction, and friction is where mistakes happen.

For a newcomer the barrier is even higher. They don’t think in “pairs” and “slippage”. They think: “I want $50 of Apple.”

The gap between that thought and a filled order is the problem Stonk Chat solves.

03The solution

Stonk Chat collapses the entire flow into one sentence. You say what you want, the chat shows you the trade with live amounts and a rate, and you confirm. Everything else happens under the hood.

stonk.chat

swap $50 of ETH to AAPL

Got it — ETH → AAPL. Review and confirm below.

Natural language — dollar amounts or token amounts, any stock ticker, in your own words.
Live quotes — every confirmation shows a real rate and estimated output, not a placeholder.
One signature — you approve once, and the trade settles without managing gas.

04How it works

4.1 Intent parsing

When you send a message, Stonk Chat parses it locally to extract three things: the source asset, the target asset, and the amount (dollar-denominated or asset-denominated). It understands swap, buy and sell phrasings, dollar signs, and full ticker names.

4.2 Pricing

Once the intent is understood, Stonk Chat pulls current market prices for both assets and presents a confirmation card: the exact amount you’re selling, the estimated amount you’ll receive, and the implied rate. You see the real number before you commit.

4.3 Execution

On confirmation, Stonk Chat builds an executable quote against on-chain liquidity with slippage protection. You sign a single authorization from your wallet, and the swap settles gasless on Robinhood L2.

4.4 Custody

Stonk Chat is non-custodial end to end. Your wallet authorizes every trade. Stonk Chat never holds, freezes, or transfers your assets, and never asks for your private key or seed phrase.

05Supported assets

Everything settles on Robinhood L2 as tokenized assets, which means a stock trades exactly like a token — same settlement, same wallet, same chat.

Stocks — 150+ US equities by ticker (AAPL, NVDA, TSLA, RBLX, and more).
ETFs — 16 funds including broad-market and sector exposure.
Crypto — ETH, WETH and the USDG stablecoin.

06Security & custody

Non-custodial — you keep your keys. Assets never sit with Stonk Chat.
Signature-based authorization — trades are authorized by your wallet, not by any stored credential.
Slippage protection — quotes include a slippage bound so you’re not filled at a materially worse price.
No keys, no seeds — Stonk Chat never requests or stores private keys or recovery phrases.

Always verify. Review the amounts and rate shown before confirming. If a quote looks wrong, don’t sign — refresh and re-request.

07Roadmap

Stonk Chat ships the chat-first swap first, then layers on the conversations people already want to have with their portfolio.

Now — chat swaps for stocks, ETFs and crypto on Robinhood L2.
Next — price alerts in chat, balance queries, and recurring (“DCA”) swaps.
Later — portfolio overview, order history, and multi-step intents (“swap ETH to USDC, then buy NVDA”).

08Risks & disclaimer

Trading tokenized assets carries risk. Prices can move quickly, markets can gap, and you can lose money. Robinhood L2 is an early-stage network and may be subject to outages, liquidity constraints and protocol changes.

Stonk Chat is an interface, not an advisor. Nothing in this document or in the product constitutes financial, investment or legal advice. Trade only what you can afford to lose, and do your own research.