Investing

Abu Dhabi, UAE – Interhash has acquired a controlling stake in Neopool. The deal was closed at the regional technology conference held in Abu Dhabi.

Since its launch, Neopool has rapidly positioned itself as a top player, delivering optimized efficiency and operational stability.

We see a huge potential in the Neopool project. We also understand that the value of the digital infrastructure is significantly underestimated, and this will become one of the most promising assets in the near future.

— Alexander Lozben, CEO at Interhash

The deal strengthens the project’s position in the global market and opens up new opportunities for scaling.

Investment from a major market player like Interhash is a direct confirmation that we are on the right path. Having a strategic investor allows us to accelerate development and focus on the main task: making infrastructure as efficient and accessible as possible for every participant.

— Andrei Kapeikin, CEO at Neopool

About Interhash

Interhash is a technology company specializing in the cryptocurrency mining and high-performance computing industries. Founded to provide efficient mining and ensure sustainable mining infrastructure for long-term growth.

About Neopool

Neopool is a next-generation Bitcoin mining pool that achieved top-15 global ranking and #1 worldwide Daily PPS efficiency. Built by a team with over 100 years of combined experience in mining and IT.

Media Contact
Company: Interhash
Contact Name: Elvira Nahiyeva
Email: e.nahiyeva@interhash.net
Website: https://interhash.com/

The rising cost of energy has made heating homes a major concern for many UK households. The cost of heating a house is much higher than it was a few short years ago. Older boilers waste more energy and raise monthly bills. It can seem impossible for low-income households and those with vulnerable circumstances to replace a boiler. Here, government support is crucial.

The Free Boiler Scheme is one of the most discussed support options in today’s market. Before applying, many homeowners have the same question. Do the costs of installation and boiler cover each other, or just the boiler? This is important, as installation costs can be high.

This blog covers the subject in detail. The blog explains the program, how it works, who is eligible, what costs are covered and what homeowners can expect. This guide also contains real statistics, expert insight, and examples that will help you to make an informed decision.

Free Boiler Scheme

It is part of a wider UK government plan to reduce fuel poverty and emissions. The scheme is operated under the Energy Company Obligation (ECO4), also known as ECO4. The scheme is in its second phase, which runs until 2026. It aims to help low-income households and those who are vulnerable improve their energy efficiency.

Its main objective is straightforward. The main goal is to help people replace their old, inefficient, or broken boilers with more energy-efficient models. These upgrades lower energy bills and reduce energy consumption. These upgrades also help the UK achieve its net-zero target.

Large energy suppliers fund the scheme. They are required by law to assist eligible households. They do not give cash but instead upgrade heating and insulation directly by approved installers.

Why Installation Costs Matter So Much

It isn’t just about purchasing a new boiler. The installation can cost almost as much or more than the boiler. Installation often includes the removal of the old boiler and upgrading the pipework. It may also include fitting new controls and testing the system.

On the open market, boiler installations can cost between 1,500 and 3,500 Pounds. The cost depends on factors such as the type of boiler, the size of the home, and the complexity. This cost is unaffordable for many families.

People worry, therefore, that even a boiler advertised as “free” may come with hidden costs. This is a reasonable concern. Before applying, it is important to know if installation is included.

Does the Free Boiler Scheme Cover Installation?

In most cases, yes, the Free Boiler Scheme will cover the entire cost of installation. The cost of installation includes all labour, materials, testing and certification. Eligible households do not usually pay anything up front.

The goal of ECO4 is to eliminate all financial barriers. The government wants to encourage households to upgrade their boilers without having to worry about the cost. The government will cover both the boiler as well as the installation when certain criteria is met.

However, coverage depends on individual circumstances. It is important to consider the condition of your existing heating system. Also, the energy rating of a property is important. Some homes will need additional work, such as pipe or radiator adjustments. They are included in the price if necessary to ensure that your new boiler works safely and efficiently.

What the Data Shows About Boiler Grants

The government data shows that upgrading your heating system can make a huge difference. Ofgem reports that between 2013 and 2023, more than 2.4 million energy-efficient measures were installed through ECO schemes. The most common upgrade was to boilers.

New boilers reduced heating bills by 20-30 percent on average. Some homes with poor insulation saw savings that were higher even after further improvements.

The table below compares estimated costs with and without ECO4 assistance.Who Qualifies for Full Coverage?

The eligibility is determined by household income, property efficiency, and benefits. The scheme is aimed at those who are most in need. The scheme targets households receiving means-tested benefits, as well as those who live in homes that are not energy efficient.

Priority is usually given to properties with EPC ratings D, E, F or G. Also, homes with old boilers are good candidates. It is important to replace systems which waste energy and raise bills.

Renters can also be eligible, provided the landlord gives permission. Upgrades improve the property value and EPC rating, which is why many landlords agree.

Why Some People Think Installation Is Not Included

Online, there is a great deal of confusion. Private installers may advertise “free boilers, but with an installation charge. These offers do not fall under the official ECO4 scheme.

Installers approved by ECO must adhere to strict guidelines. The installers cannot charge hidden fees for work that is eligible. A company that asks for high upfront fees is a red flag.

It is important to choose a reputable provider. A seasoned ECO4 partner can protect homeowners from unanticipated charges.

The Role of Trusted ECO4 Partners

Installers who are approved manage the whole process. They manage eligibility checks, surveys and paperwork. They are there to make your experience easy and stress-free.

Berks Insulation has been a reliable partner in the insulation industry for many years. The ECO4 scheme offers free heating upgrades. The team provides support to households throughout the entire process. They make sure that installations comply with safety regulations and energy regulations.

When you work with a provider who has experience, both boilers and installation costs will be covered. This ensures that the boiler will perform well over time and is covered by a warranty.

Installation Quality and Safety Standards

Free doesn’t mean low-quality. ECO4 installations are subject to strict standards. Gas Safe registration is required for installers. All work is certified and inspected.

Modern boilers installed through the scheme are reliable and energy-efficient. Smart controls are often included to improve comfort and reduce waste. These controls improve temperature management and reduce wasteful heating.

After installation, homeowners receive full documentation. The documentation includes certificates of compliance and warranties. These documents add value to your property and protect you as a homeowner.

How Much Can You Save After Installation?

The savings continue even after the installation. Modern boilers use less fuel to produce more heat. Gas bills and usage are reduced.

According to the Energy Saving Trust, replacing an old G-rated heating system with an A rating can save you up to £ 580 a year in heating costs. Savings vary depending on home size and usage.Environmental Benefits of Covering Installation

Covering installation costs helps more people upgrade. This directly impacts carbon emissions. Nearly 25 percent of UK household emissions are due to heating.

New boilers burn fuel more efficiently and produce fewer emissions. The impact of upgrading insulation is increased when combined with new boilers.

According to the government, ECO4 is expected to reduce carbon emissions by millions of tonnes in its lifetime. This success is due in large part to the installation coverage.

What Happens During the Installation Process?

A free assessment is usually the first step. The surveyor will check the property and any existing heating systems. They verify eligibility and recommend the best solutions.

Installation is then scheduled. Installation of boilers usually takes between one and two days. The engineers remove the old boiler and then install the new one. They explain the workings of the system and test it.

Installers take care of everything. Installers are in charge of everything. Waste removal and safety inspections are included.

Are There Any Situations Where Costs Apply?

Rarely, homeowners can choose to upgrade their homes. Some examples include smart thermostats that are more advanced or additional radiators. The extras that are optional are explained clearly and upfront.

The scheme continues to cover essential installation work. Nobody is forced to pay. Transparency in ECO4 is a requirement.

Before work starts, it is determined if a home needs major structural modifications beyond the standard installation. This is not a problem for most homes.

Final Thoughts

Can the Free Boiler Scheme pay for installation costs? The answer is yes, in genuine ECO4 cases. The scheme aims to eliminate all financial barriers, which includes the boiler as well as professional installation. For older residents looking for specific support, checking eligibility for the Boiler Replacement Scheme Over 60s can be a vital step toward securing these benefits.

It is important to work with an approved, trusted installer. Berks Insulation, for example, ensures that the process is transparent, compliant, and fully funded. They can help improve household comfort, lower bills, and reduce emissions.

This support can change the lives of eligible households. This support provides warmth, safety, and long-term savings without financial strain.
The Free Boiler Scheme is a great option for homeowners with an old boiler or high energy bills.

Commodityhero is redefining what it means to build a successful career in the global commodities market. As the world’s leading all-in-one commodity brokerage ecosystem, the platform provides a complete suite of training, mentorship, and practical tools tailored to help both beginners and seasoned brokers thrive. With a rapidly expanding global presence and a proven track record of success, Commodityhero stands as the go to destination for anyone looking to enter or scale within the commodities industry.

At the center of this fast growing ecosystem is Jesse Regan, the President of Commodityhero, whose vision has propelled the company into becoming the largest online broker platform for new commodity brokers. Under his leadership, the platform has surpassed an impressive 70,000 users worldwide, a milestone that reflects its effectiveness, credibility, and global demand. Commodityhero has also played a key role in closing major contracts with refineries in Houston and has built a massive book of business in the oil and gas sector, solidifying its influence in one of the world’s most competitive industries.

Unlike traditional programs that focus on outdated theory or surface level training, Commodityhero emphasizes real-world application. The strategies taught throughout the program are battle tested and actively used by top brokers in the industry. These methods empower students not only to understand the markets, but to confidently execute deals, build meaningful relationships, and generate long term success. With a satisfaction guarantee and a strong, engaged community, students receive continuous support as they progress from learners to established brokers.

One of the standout features of Commodityhero is its commitment to career building. The platform doesn’t simply offer knowledge, it provides a structured path to results. By combining mentorship from experienced brokers, interactive training modules, and powerful digital tools, the ecosystem is designed to give every student the edge needed to compete at a global level. Whether someone is starting with zero experience or already closing deals, Commodityhero adapts to their needs, making it one of the most versatile platforms in the commodity trading space.

Looking ahead, Commodityhero is positioning itself to lead the next wave of innovation in the industry. The company is developing advanced tools and software solutions that even major trading firms will rely on to source the commodities they need. This forward-thinking approach ensures that the platform remains on the cutting edge of technology, efficiency, and market intelligence, key advantages for brokers navigating today’s fast-moving commodity landscape.

The learning experience itself is flexible and designed for real-world implementation. Most students complete the core training modules within 4–6 weeks, but the program is entirely self-paced, offering lifetime access to all materials. This allows participants to absorb the content at their own speed while applying the strategies immediately in live market situations.

Commodityhero’s mission is simple: to build successful brokers. And with its powerful ecosystem, expert leadership, and global impact, the platform is well on its way to shaping the future of commodity brokerage for years to come.

From single-strategy automation to modular systems, this article explores the structural evolution of algorithmic trading and the role Nushi AI plays in multi-asset EA bot development.

Algorithmic trading has become an increasingly central component of modern financial markets. Once limited to institutional trading desks and proprietary systems, automation is now widely accessible to market participants seeking consistency, structure, and discipline in execution. As this shift accelerates, the underlying design of algorithmic trading software has become just as important as the strategies it executes.

Among the platforms contributing to this evolution is Nushi AI, a technology-focused provider of automated trading systems that emphasizes infrastructure-first design, asset-specific development, and transparency. Rather than positioning automation as a shortcut, the platform approaches algorithmic trading as a form of software engineering applied to market execution.

This article examines how algorithmic trading systems are evolving, why multi-asset EA bot architectures are gaining relevance, and how Nushi AI approaches automated trading software development through structured system design rather than short-term strategy deployment.

The Evolution of Algorithmic Trading in Modern Markets

Algorithmic trading is no longer a niche practice. Advances in computing power, data availability, and execution infrastructure have transformed automation into a foundational layer of global financial markets. Today, algorithms are responsible for a significant portion of order flow across equities, foreign exchange, commodities, and digital asset markets.

Early automated trading systems were often rule-based scripts designed to execute a single idea under a narrow set of conditions. These systems worked within specific environments but struggled when market regimes changed. As markets became more interconnected and volatile, limitations in these early models became increasingly visible.

Modern algorithmic trading software has shifted toward system-level design. Instead of focusing solely on trade signals, developers now emphasize execution discipline, risk structure, and operational resilience. Automation is viewed less as a predictive tool and more as a mechanism for consistency in decision-making and trade management.

This shift has led to increased interest in platforms that treat automated trading systems as infrastructure rather than standalone strategies.

Understanding EA Bots and Automated Trading Systems

EA bots, short for Expert Advisors, are automated trading software that operate within platforms such as MetaTrader. These systems execute trades based on predefined logic without discretionary human input once deployed.

While EA bots are often discussed as a single category, their underlying design can vary widely. Some bots rely on fixed technical indicators, while others incorporate adaptive logic or multiple execution layers. The quality of an EA bot is determined less by the complexity of its rules and more by how it manages execution, exposure, and operational consistency.

Automated trading systems that function reliably over time typically share several characteristics:

• Clearly defined execution rules
• Preconfigured risk parameters
• Continuous monitoring of market conditions
• Robust handling of abnormal scenarios

As automation has matured, many developers have moved away from one-size-fits-all EA bots toward systems that are tailored to specific asset classes and market structures.

Structural Limitations of Single-Strategy EA Bots

Single-strategy EA bots are often designed around a specific market behavior or technical pattern. While this approach can be effective under certain conditions, it introduces structural limitations when applied broadly.

Markets differ significantly in liquidity profiles, trading hours, volatility behavior, and reaction to macroeconomic events. A strategy optimized for one instrument may behave unpredictably when applied to another. As a result, systems that attempt to reuse the same logic across multiple markets often encounter instability.

Common limitations of single-strategy EA bots include:

• Reduced adaptability across market regimes
• Overexposure to specific conditions
• Limited scalability across asset classes
• Increased operational risk during volatility shifts

These limitations have prompted a growing interest in asset-specific and modular system design.

Why Asset-Specific and Multi-Asset Systems Are Gaining Importance

Multi-asset trading does not simply mean trading multiple instruments. It requires systems that account for the structural differences between markets. Forex markets operate continuously with high liquidity, while commodities may experience sharp movements driven by supply dynamics. Digital asset markets trade around the clock with distinct volatility patterns.

Asset-specific EA bots are designed to account for these differences at the system level. Each bot operates independently, with logic calibrated to the characteristics of its target market. This modular approach allows for more precise execution and clearer governance.

Multi-asset platforms that deploy independent systems rather than shared strategies can reduce cross-market risk and improve operational clarity. This architecture also allows users to engage with automation selectively, rather than relying on a single system to manage all exposure.

The Nushi AI Approach to Algorithmic Trading Software Development

Nushi AI approaches algorithmic trading software development as a form of infrastructure engineering. Rather than emphasizing strategy promotion, the platform focuses on system architecture, modular deployment, and transparency.

The platform has been active for several years, with an initial phase of private system development before making its automated trading systems publicly accessible. This development path reflects an emphasis on testing, iteration, and structural refinement prior to broader availability.

An overview of the platform and its technology philosophy can be found on the official Nushi AI website, which outlines its focus on structured system design rather than discretionary execution.

Infrastructure-First Architecture and Modular Design

At the core of the Nushi AI ecosystem is an infrastructure-first design philosophy. Each automated trading system operates as an independent EA bot, built specifically for its target asset class.

Current systems include:

• A forex-focused EA bot designed for the EUR/USD market
• A commodities-oriented EA bot developed for gold trading
• A digital asset EA bot tailored to cryptocurrency market behavior
• An equity-focused system currently in development

Each bot functions independently, with its own execution logic, parameters, and operational boundaries. This modular structure allows systems to evolve without introducing dependencies that could affect other components.

Access to these systems is managed through the Nushi AI EA bot platform, which serves as the deployment and configuration environment for users exploring the platform’s automated trading systems.

Transparency, Governance, and Third-Party Verification

Transparency is a recurring concern within the automated trading space. Many systems operate as closed environments, making independent evaluation difficult. As a result, third-party verification has become an important element of governance for algorithmic trading software.

Nushi AI utilizes external analytics tools to publish historical system activity. Independent tracking allows observers to review execution behavior without relying solely on internal reporting. While verification does not imply future outcomes, it provides accountability and visibility into system operation.

Historical data associated with one of the platform’s automated systems can be reviewed through the Nushi AI FXBlue verified profile, which illustrates how third-party analytics are used to support transparency.

Automation, Execution Discipline, and Risk Structure

One of the primary advantages of automation lies in execution discipline. Automated trading systems follow predefined rules consistently, without emotional interference or discretionary deviation. This consistency can be particularly valuable in fast-moving or highly volatile markets.

However, automation does not eliminate risk. Instead, it restructures how risk is managed. Well-designed systems define exposure limits, execution thresholds, and operational constraints in advance. These parameters act as guardrails rather than predictive tools.

Infrastructure-focused platforms emphasize how systems behave under varying conditions rather than how they perform under ideal scenarios. This perspective aligns automation with process control rather than outcome optimization.

Market Positioning of Infrastructure-Style Algorithmic Trading Platforms

As algorithmic trading becomes more accessible, differentiation increasingly depends on system design rather than marketing claims. Platforms that position themselves as infrastructure providers often appeal to users who value clarity, governance, and long-term development.

Nushi AI occupies a space between institutional-style system engineering and advanced retail access. By focusing on modular architecture, asset-specific development, and transparency practices, the platform reflects broader trends in trading technology.

This positioning may resonate with market participants seeking structured automation rather than turnkey solutions.

Frequently Asked Questions About Nushi AI and Algorithmic Trading

What is Nushi AI

Nushi AI is a technology-focused platform that develops algorithmic trading software and automated EA bots across multiple asset classes. The company focuses on structured system design, modular architecture, and transparency rather than discretionary or signal-based trading. More information about the platform and its approach is available on the official Nushi AI website.

How does Nushi AI algorithmic trading software work

Nushi AI algorithmic trading software operates through automated EA bots that execute trades based on predefined system logic. Once deployed, these systems manage execution according to their internal rules without manual intervention. The software is designed to support consistent execution rather than predictive decision-making.

What are EA bots in algorithmic trading

EA bots, or Expert Advisors, are automated trading programs that run within trading platforms such as MetaTrader. They execute trades based on coded rules and parameters. In the case of Nushi AI, each EA bot is developed for a specific asset class and operates independently within the broader system architecture.

What does multi-asset trading mean in automated systems

Multi-asset trading refers to the use of separate automated systems across different markets, such as forex, commodities, and digital assets. Rather than applying a single strategy universally, multi-asset platforms like Nushi AI deploy asset-specific EA bots designed for the structure and behavior of each market.

Why is transparency important in algorithmic trading software

Transparency allows users and observers to understand how automated trading systems operate over time. Independent verification and third-party analytics provide visibility into execution behavior and system activity. Nushi AI supports transparency through external tracking tools such as its publicly available FXBlue verification profile.

Who typically uses algorithmic trading platforms like Nushi AI

Algorithmic trading platforms are generally used by traders and investors who are familiar with financial markets and automation concepts. These platforms are designed for users seeking structured execution tools rather than discretionary trading or guaranteed outcomes.

Does algorithmic trading remove market risk

No. Algorithmic trading does not remove market risk. Automated systems operate within predefined parameters and remain subject to market conditions, volatility, and execution factors. Automation primarily changes how trades are executed, not the underlying risks of financial markets.

How is Nushi AI different from single-strategy EA bots

Nushi AI differs from single-strategy EA bots by using a modular, infrastructure-first approach. Each automated trading system is developed for a specific asset class and operates independently. This design allows systems to be aligned with market structure rather than relying on one strategy across multiple instruments.

Closing Perspective

Algorithmic trading continues to evolve from isolated strategies into system-level infrastructure. As markets grow more complex, the design principles behind automated trading software have become increasingly important.

By focusing on modular architecture, asset-specific EA bots, and transparency practices, Nushi AI reflects a broader shift toward infrastructure-driven automation. Rather than positioning automation as a promise, the platform frames it as a tool for structured execution within modern financial markets.

For market participants interested in understanding how algorithmic trading systems are built and governed, this infrastructure-first approach offers a perspective aligned with the ongoing evolution of trading technology.

Risk Disclosure

Algorithmic trading and automated trading systems involve market risk. Financial markets are subject to volatility, liquidity conditions, and external factors that may affect execution. Automation does not eliminate risk, and past system behavior does not indicate future outcomes. This article is provided for informational and educational purposes only and does not constitute financial advice or a recommendation to trade.

Company Name: Nushi AI
Website: https://nushi.ai
Email: info@nushi.ai

For many small business owners, ambition often shows up as a single idea: grow as fast as possible. But Yali Saar, CEO and Founder of Tailor Brands, challenges that instinct. “Going big is not a strategy,” he wrote recently, arguing that clarity matters more than scale.

That idea sets the stage for an upcoming webinar hosted by Tailor Brands, “How Smart Business Formation Leads to Better Exits,” taking place on Monday, January 5th, 2026, at 3 p.m. EST. Saar will be joined by Blake Hutchison, CEO of Flippa, for a conversation focused on how early business decisions shape long-term outcomes, especially for founders who want options later on.

Defining What You’re Actually Building

According to Saar, the most important decision founders make often comes before product, marketing, or growth. It is deciding what the business is being built for. Is it meant to provide job security? Is it something to carry a family name forward? Or is it being built with a future sale in mind?

Saar argues that once this decision is made, it becomes the goal. From there, founders can begin working backward to determine the structure, priorities, and trade-offs that make sense for that destination. Without that clarity, progress becomes difficult to measure, and strategy becomes reactive rather than intentional.

The Difference Experience Makes

Saar draws a clear line between first-time entrepreneurs and those who have built multiple companies. The distinction, he notes, lies in awareness. Serial entrepreneurs understand the toll building a business can take, and they approach the process with that reality in mind.

Some arrive at this understanding through deliberate planning, while others reach it only after running enough tests over time. In either case, the outcome is similar: experienced founders develop a clearer sense of direction earlier and are better equipped to recognize when they’ve drifted off course.

Why Working Backwards Matters

Reverse engineering a business plan is not presented as a shortcut. Saar acknowledges that the process may not be easy and may not unfold exactly as planned. But with a defined goal in place, founders gain a critical capability: the ability to measure progress and adjust when things don’t go as expected.

Without a goal, Saar suggests, everything is left to luck. With one, founders have a reference point to recalibrate rather than restart.

This idea forms a core theme of the upcoming webinar, particularly as it relates to building businesses that hold value beyond day-to-day operations.

A View from Both Sides of the Journey

Tailor Brands currently helps more than 2% of new U.S. business owners launch their companies, giving Saar a front-row seat to how businesses begin. Flippa, meanwhile, has supported over 100,000 online acquisitions globally, offering insight into what happens when founders decide to exit.

Together, Saar and Hutchison plan to explore how starting a business “the right way” can create advantages across multiple fronts, including one many founders overlook: building something that is attractive to buyers down the line.

An Invitation to Build with Clarity

The webinar is aimed at SMB founders who want to be more deliberate about where their efforts are leading. Rather than promoting a single outcome, the session focuses on helping entrepreneurs define their own goals and understand how that choice shapes everything that follows.

“How Smart Business Formation Leads to Better Exits” takes place on January 5th, 2026, at 3 p.m. EST, and offers founders a chance to step back from day-to-day execution and consider the long-term implications of how they are building.

In a crowded entrepreneurial landscape, Saar’s message is a measured one: success is not about size alone, but about direction, and direction starts with knowing what you’re building toward.

The U.S. housing market began 2025 under mounting pressure. New-home inventory has surged to levels not seen since before the 2008 crash, as builders struggle with demand, rising costs, and shifting buyer sentiment. According to recent data, unsold new-home inventory in mid-2025 climbed to 124,000 single-family homes, the highest since July 2009. Across all new single-family homes, the unsold stock reached about 511,000 by June 2025, placing months-of-supply near 9.8, a historically elevated level.

At the same time, overall housing activity has cooled. Sales of existing homes fell 5.9% in March 2025, hitting a seasonally adjusted annual rate of just over 4.02 million, and putting unsold inventory at 1.33 million units or 4.0 months’ supply. The median existing-home sale price, however, continues its upward march, reaching roughly $403,700 in March, up 2.7 percent from a year earlier.

In a market swelling with unsold units and rising prices, especially for existing homes, it’s no surprise that many potential buyers have grown skeptical about pre-construction projects. Promises on paper, once alluring, now feel risky: Will the project deliver on time? Will the amenities be real? Will the neighborhood really match what was sold?

PropTech: A Response to the Credibility Crisis

As inventory builds and sales slow, the real estate industry is under pressure to recalibrate. Gone are the days when glossy renderings and aspirational amenities were enough to sell pre-construction units. What buyers increasingly demand is transparency. They want data. They want realism. They want to know what could go wrong and how likely that is.

This demand has helped spur growth in technology-enabled real estate solutions. Advancements in AI, data analytics, and structured valuation are beginning to address longstanding information asymmetries between developers and buyers. One recent academic framework describes how AI-augmented valuation, built on standardized, machine-readable datasets, can reduce appraisal bias and increase consistency in property valuations.

These innovations promise to transform pre-construction sales from speculative marketing ventures into grounded, data-driven decisions.

Enter REALS: Data, Planning, and a Reality Check

That’s where the platform REALS, built by Simplex 3D, aims to disrupt the traditional pre-construction playbook. Rather than offering visions of perfect skyline views or lavish amenities, REALS layers real-world data and urban-planning context into its pre-construction listings. Prospective buyers aren’t just shown stylized floor plans; they’re shown zoning maps, projected infrastructure timelines, neighborhood development overlays, and realistic build-out schedules.

What REALS offers is a kind of “pre-mortgage due diligence.” Buyers can see not just what a developer promises, but what seems plausible based on comparable projects and broader urban-planning realities. That visibility helps manage expectations. It also gives buyers a way to compare proposed units not just on price or renderings, but on feasibility, risk, and value before they commit.

Could This Shift Rein in Over-Speculation and Prevent Market Overhang?

If widely adopted, a platform like REALS could help rebalance the power dynamic in real estate: giving buyers more agency, while incentivizing developers to ground their offers in realism rather than optimism. In a climate where new-home inventory sits at a 16-year high and months-of-supply is approaching double the “balanced market” threshold, such recalibration could help stabilize valuations.

Realism also reduces downside risk for buyers. In a volatile market, with rising prices for existing homes, high carrying costs, and uncertain demand, investing based on data and realistic projections could mean the difference between a solid long-term asset and a speculative liability.

Toward a More Disciplined Pre-Construction Ecosystem

Pre-construction has always thrived on optimism. On belief. On projection. On hope. But when inventory piles up, and economic conditions tighten, that optimism can turn toxic, leaving buyers with unfinished units or value that never materializes.

REALS doesn’t promise to eliminate risk. Nothing can. But by injecting transparency, data, and urban-planning context into pre-construction sales, it may well broaden the path for more informed and responsible home-buying. In that sense, it offers not just an alternative platform, but a new paradigm: one where buyers can decide for themselves whether what’s being sold is worth buying.

Whether the industry embraces that paradigm is another question. But with inventory at multi-decade highs, demand softening, and buyer skepticism rising, the timing could be right.

Panxo announced the public launch of its next-generation infrastructure platform designed to identify and classify traffic from conversational AI sources (including ChatGPT, Perplexity, Claude, and Gemini) in real time and help publishers generate higher-value revenue from this fast-growing segment.

NEW YORK, NY — (DWPR) — Panxo has launched the public version of its AI traffic monetization platform, purpose-built to help publishers monetize visitors referred by conversational AI assistants. The company says it is the first infrastructure platform designed specifically to turn conversational AI referrals into measurable revenue for publishers.

Bringing money back into publishers’ hands for their content is essential if we want real humans to continue producing investigation, journalism, and high-quality content in the years ahead.

AI is delivering many powerful benefits, but it is also built by scraping and leveraging the lifetime work of countless creators. Since this reality is unavoidable, the responsibility now is to ensure that value flows back to those who created the content in the first place. Technologies like Panxo make this possible by delivering high conversion rates for advertisers and higher CPMs for publishers, creating a true win-win model with fewer intermediaries across the ecosystem.

As AI-powered search and discovery tools begin to replace traditional search engines, publishers are facing a widening monetization gap. While traffic from conversational AI sources is growing rapidly, traditional ad stacks often fail to properly identify, classify, and monetize these visitors at the value level implied by their intent.

Panxo’s patent-pending neural layer (US 63/930,757) operates at the edge and identifies conversational AI-referred traffic with 94% accuracy. According to the company, the system identifies the source, extracts the original user query where available, classifies visitor intent using natural language analysis, and segments users into high-value audience categories before monetizing through real-time auctions connected to premium demand partners.

Publishers using Panxo report $15–$35 CPM performance for AI-referred traffic, compared with $1–$4 CPM commonly seen in standard programmatic display, according to the company. Panxo says the platform is format-agnostic, supporting native, display, and custom ad units aligned with each publisher’s design.

Panxo also reported processing over 50 million AI visits across its publisher network last month and said this segment is growing 40% month-over-month. The company noted that publishers who are not specifically monetizing conversational AI referrals may be leaving meaningful revenue on the table.

For advertisers, Panxo aims to provide access to audiences actively researching products and services through AI assistants by capturing full conversational context to enable more precise targeting. The company said early advertiser partners span SaaS, financial services, travel, and e-commerce, with reported click-through rates up to 5x higher than standard display.

Panxo said it is now accepting publishers and advertisers globally, and that publishers can sign up at app.panxo.ai and begin monetizing AI traffic within 24 hours of integration.

About Panxo

Panxo, founded in 2025 and headquartered in New York and London, provides infrastructure for publishers to identify, classify, and monetize traffic from conversational AI sources such as ChatGPT, Perplexity, Claude, and Gemini. The company’s patent-pending technology (US 63/930,757) processes millions of AI-referred visits monthly, connecting high-intent audiences with premium advertisers. 

Media Contact

Company Name: Panxo
Media Contact: Panxo Team
Email: press@panxo.ai
Website: https://panxo.ai

The fintech industry is entering a defining phase. After years of rapid digitization and platform experimentation, the sector is now focused on durability, particularly scalable infrastructure, intelligent automation, and financial products designed around trust, clarity, and global reach. As financial services become increasingly embedded into everyday experiences, leadership is emerging as the true differentiator. The executives shaping fintech today are not merely introducing new tools; they are rebuilding the foundations of how money moves, how credit is extended, and how decisions are made.

CityBiz’s recent article highlights the individuals steering this next chapter. Spanning consumer finance, global payments, open banking infrastructure, and institutional transformation, these leaders represent the strategic minds guiding fintech from disruption into long-term relevance.

Empowering Personal Finance and Consumer Experiences

At the consumer layer of fintech, innovation is increasingly about guidance rather than access alone. Eldad Tamir, founder and CEO of FINQ, embodies this shift. With decades of experience in capital markets and investment management, Tamir is building the most talked-about agentic AI platform. It will be excited to see what FINQ holds in store.

A similar focus on reshaping consumer behavior defines the work of Kunal Shah, founder and CEO of CRED. What began as a rewards platform for financially responsible credit card users in India has grown into a broader financial ecosystem encompassing payments, lending, and commerce. Shah’s success lies in understanding that fintech adoption is as much about psychology and incentives as it is about technology.

Transparency is also central to the consumer finance movement led by Max Levchin, founder and CEO of Affirm. By embedding clear, predictable installment plans directly into online checkout flows, Levchin has challenged traditional credit models that rely on opacity. Affirm’s growth signals a market shift toward financial products that prioritize user trust.

Meanwhile, Vlad Tenev continues to shape retail investing through his role as co-founder and CEO of Robinhood. By eliminating commissions and simplifying market access, Robinhood redefined who could participate in investing. Tenev’s broader work, including his leadership at Harmonic, points to a future where AI and advanced reasoning play a central role in financial systems.

The Infrastructure Powering Modern Finance

Behind every seamless fintech experience lies infrastructure that operates largely out of view. Zach Perret, co-founder and CEO of Plaid, has been instrumental in building this connective layer. Plaid’s APIs enable secure data sharing between banks and financial applications, supporting everything from budgeting tools to payment verification. As open banking gains momentum globally, Perret’s work continues to shape how financial ecosystems interoperate.

Patrick Collison, co-founder and CEO of Stripe, operates at a similar foundational level. Stripe has become a cornerstone of the digital economy by making payments, subscriptions, fraud prevention, and embedded financial services programmable. Its developer-first approach has enabled businesses of all sizes to scale globally, turning financial infrastructure into a platform for innovation.

Scaling Payments for a Borderless Economy

As digital commerce transcends borders, payments leaders are solving for complexity at a global scale. Pieter van der Does, co-founder and CEO of Adyen, leads a platform trusted by some of the world’s largest enterprises. Adyen’s unified commerce model allows companies to manage online, mobile, and in-store payments through a single system, reflecting the growing strategic importance of payments infrastructure.

Guillaume Pousaz, founder and CEO of Checkout.com, has similarly focused on flexibility and performance across international markets. His platform helps enterprises navigate regulatory complexity, currencies, and local payment methods, enabling frictionless global expansion.

Reinventing Banking and Expanding Access

Fintech’s influence extends well beyond startups. Jane Fraser, chair and CEO of Citi, represents how legacy institutions are evolving from within. Under her leadership, Citi has prioritized digital modernization, operational discipline, and customer-centric transformation — demonstrating that large banks can remain competitive in a fintech-driven world.

At the same time, Rishi Khosla, co-founder and CEO of OakNorth, is reshaping access to capital for high-growth small and mid-sized businesses. By combining advanced analytics with experienced credit judgment, OakNorth addresses a long-standing gap in SME lending, enabling businesses traditionally overlooked by large banks to scale.

The Momentum That Carries Forward

Together, the leaders highlighted by CityBiz reflect fintech’s shift from experimentation to execution. Their work emphasizes intelligence over automation, infrastructure over interfaces, and trust over novelty. As fintech continues to embed itself more deeply in the global economy, these executives are responding to change and shaping it.

Most investors treat SIP (Systematic Investment Plan) and SWP (Systematic Withdrawal Plan) as two unrelated strategies — one for building wealth, the other for drawing from it. But in reality, the most successful long-term financial plans use both. A SIP helps grow your corpus during your earning years, and an SWP helps you withdraw that corpus in a disciplined, sustainable manner during your spending years.

With a calculator-led approach, the entire life cycle of an investment — contribution, growth, withdrawals, and sustainability — becomes far easier to plan. This article explains how SIP and SWP work together, what risks you must consider, and how tools like a SIP Calculator and SWP Calculator make estimating future scenarios more accurate and responsible.

What Is a SIP?

A SIP (Systematic Investment Plan) is a method of investing a fixed amount at regular intervals — usually monthly — into mutual funds. SIPs help investors:

• Build discipline
• Average out purchase cost (benefit of volatility)
• Take advantage of compounding
• Align investing with salary cycles
• Track progress toward long-term financial goals

The biggest advantage of SIPs is predictability: you know the amount, frequency, and expected time horizon.

What Is an SWP?

An SWP (Systematic Withdrawal Plan) is the reverse. It allows you to withdraw a fixed amount every month from your mutual fund investments. It is commonly used for:

• Retirement income
• Monthly expenses
• Supplementary cash flow
• Managing irregular income phases

Unlike lump-sum withdrawals, an SWP preserves the remaining corpus so it can continue to grow. It’s ideal for investors who want a stable income stream without fully liquidating their investments.

SIP + SWP: A Combined Plan for Your Financial Life Cycle

Think of SIP and SWP as a two-stage system:

Stage 1: Build the Corpus (SIP Phase)

You invest monthly for years — maybe decades. The goal is to create a large, inflation-adjusted corpus that can later support a steady income.

Stage 2: Draw from the Corpus (SWP Phase)

After the accumulation phase, you use an SWP to receive monthly payouts from your funds while the remaining balance continues to stay invested.

This flow mirrors the real cycle of working and retiring. A combined plan helps you:

• Build wealth while managing volatility
• Transition smoothly into retirement
• Maintain consistent income
• Avoid sudden financial shocks

The Trade-Offs to Understand

While pairing SIP and SWP is powerful, it requires realistic assumptions. These trade-offs matter:

1. Sequence Risk

Sequence-of-returns risk refers to the danger that poor market returns occur just when you start withdrawing.

For example:
Two investors may have the same average return over 20 years. But if one experiences a market crash right at the beginning of their SWP phase, their corpus may shrink faster than expected.

This is why:

• Asset allocation becomes critical during the transition
• SWP amounts must be conservative
• Diversification helps smooth volatility

2. Withdrawal Rate

Withdrawal rate = annual withdrawal ÷ total corpus.

Most financial planners suggest the 3–4% rule as a sustainable withdrawal rate for long-term retirement.

But the right number depends on:

• Expected returns
• Inflation
• Longevity
• Risk tolerance
• Portfolio mix

If you withdraw too aggressively (6–8%), the corpus may deplete early.
If you withdraw too conservatively (1–2%), you may compromise lifestyle unnecessarily.

SWP Calculators help simulate multiple scenarios so you can choose a safe rate.

3. Inflation Impact

Inflation erodes purchasing power — especially over 20–30 years of retirement.

Your SWP amount may need to increase every few years.
If your portfolio return does not beat inflation, the corpus shrinks.

4. Market Volatility

SIP benefits from volatility (through rupee-cost averaging).
SWP suffers from volatility (because units are sold during down markets).

This is why combining the two strategies requires thoughtful planning — particularly rebalancing at the start of the SWP phase.

How a SIP Calculator Helps You Plan Better

A SIP Calculator gives an estimate of:

• Future value of your investments
• Corpus after a certain time horizon
• Expected returns based on historical data
• Impact of increasing SIP amounts every year

Most SIP calculators let you input:

• Monthly SIP amount
• Number of years
• Expected rate of return

For example:

A monthly SIP of ₹20,000 for 25 years at an average return of 12% can create a corpus of around ₹3 crore+.

Calculators help you test scenarios like:

•         What if the return is only 10%?
•         What if you increase SIP by 5% every year?
•         What if you add a lump-sum midway?

This ensures your expectations are realistic before planning any SWP phase.

How an SWP Calculator Helps You Withdraw Safely

A SWP Calculator helps answer the most important retirement questions:

•         How long will my corpus last?
•         How much can I withdraw monthly without exhausting my funds?
•         What happens if returns fall?
•         How does inflation affect my withdrawal plan?

Most SWP calculators allow you to input:

• Total corpus
• Monthly withdrawal
• Expected return
• Number of years

Example:

A ₹3 crore corpus withdrawing ₹75,000 per month at a 7% return may last over 30 years.
But the same corpus withdrawing ₹1.2 lakh per month may last only 18–20 years.

This highlights why SWP calculators are essential for responsible planning.

A Simple Calculator-Led Combined Planning Framework

Here’s how to build a strategic SIP + SWP life-cycle plan:

Step 1: Use a SIP Calculator to estimate your retirement corpus

Ask yourself:

• How much will I need monthly at retirement (inflation-adjusted)?
• What corpus creates that income safely?
• How long do I expect to stay invested?

Use the calculator to reverse-engineer the monthly SIP needed.

Step 2: Identify the target retirement corpus

Most planners use this simple guide:

Required monthly income × 300 = ideal retirement corpus.

For example:
₹1 lakh per month × 300 = ₹3 crore.

Step 3: Use an SWP Calculator to check withdrawal sustainability

Test different withdrawal rates:

• 3% (very conservative)
• 4% (standard sustainable)
• 5%+ (aggressive)

Simulate scenarios with lower returns to understand worst-case outcomes.

Step 4: Adjust asset allocation

As you move closer to the SWP phase:

• Reduce equity volatility gradually
• Increase debt allocation
• Keep 1–2 years of expenses in liquid funds

This helps protect against sequence risk.

Step 5: Review annually

Market returns change, inflation changes, life goals change.
Re-evaluate SIP amounts and SWP amounts yearly using both calculators.

Why a Combined SIP + SWP Strategy Works So Well

• You build wealth systematically during your peak career years.
• You withdraw systematically during retirement without panic selling.
• You maintain financial discipline at both stages.
• You avoid shocks triggered by volatility or cash flow gaps.
• You align your investments with long-term goals.

A calculator-led approach ensures assumptions stay realistic and numbers stay aligned with your financial future.

Final Thoughts

SIP and SWP are not isolated tools — they are complementary pillars of long-term financial planning. SIP helps you grow the mountain, and SWP helps you walk down the mountain safely. Using a SIP Calculator and SWP Calculator together ensures you plan with clarity: how much to invest, how much to withdraw, and how long your money will last.

A disciplined, calculator-backed SIP + SWP strategy isn’t just a retirement plan — it’s a lifelong wealth blueprint.

Given the fact that energy bills are a concern for the UK at the current time, many are wondering a pressing question: do electric heaters qualify for ECO energy schemes?

If you are already using electric heating, particularly electric storage heaters or portable electric heaters, you might be curious about whether it is possible to obtain any kind of government assistance to allow you to switch to a more economical and efficient alternative.

The answer is yes, but that depends on the type of electric heating you have and whether you and your household are eligible for the ECO4 scheme. In this guide, we’ll provide all the information, and that way, you’ll know where you stand and what help you could get.

What Is the ECO4 Scheme?

It is basically the Energy Company Obligation Phase 4. The ECO4 is a government-supported initiative in the United Kingdom that aims:

• Reduce carbon emissions
• Improve home energy efficiency
• Help low-income and vulnerable households lower their energy bills

ECO4 continues until March 2026, and its main emphasis is again on domestic properties that are expensive to heat or have inefficient heating.

Under ECO4, energy suppliers fund upgrades such as:

• Heating system replacements
• Insulation improvements
• Heating controls and efficiency measures

For any households that qualify, these heating upgrades are often fully funded, meaning no upfront cost.

What Counts as Electric Heating?

Before we look at the eligibility criteria, it’s important to understand what “electric heating” actually means under ECO4.

Electric heating usually includes:

• Old electric storage heaters
• Panel heaters
• Night storage heaters
• Portable plug-in heaters
• Electric radiators without smart controls

Many of these systems are also quite expensive to operate, especially when combined with poor-quality insulation or outdated tariffs.

Do Electric Heaters Qualify Under ECO4?

The short answer: Yes – but not all electric heaters qualify in the same way.

ECO4 generally does not provide funding for replacing existing electric heaters with newer electric heaters, with the exception that it results in a relatively great improvement in energy efficiency.

Instead, ECO4 mainly focuses on replacing inefficient electric heating with better systems, such as:

• High-retention electric storage heaters
• Renewable heating systems (in some cases)
• Hybrid or low-carbon alternatives
• Improved insulation to reduce heating demand

Therefore, if the electric heating you are currently using proves to be expensive and inefficient or out of date, you might qualify for help – although the available solution may not be what you expect.

Electric Storage Heaters and ECO4

Electric storage heater grants are one of the most common heating schemes targeted by ECO4, particularly in flats and off-gas domestic properties.

Under ECO4, those who qualify may be able to claim:

• New high retention storage heaters
• Smart controls and thermostats
• Upgrading insulation and heating improvements

Support of this type is commonly known as an Electric Storage Heater Grant; however, it is being provided under an ECO4 Scheme and not under its own program.

Modern storage heaters are much more efficient compared to the previous models. They store heat better, distribute heat evenly, and cut down energy wastage, which affects the energy bill positively.

Who Is Most Likely to Qualify?

You’re eligible to apply for ECO4 funding to install electric heating if:

• You qualify for some benefits (for example, Universal Credit, Pension Credit, or Income Support)
• Your sources of income are limited
• Your property has a low EPC rating, which might be E, F, or G.
• You use the electric heating system as your heating method
• Your home costs a lot to heat, and is not well-insulated

Both owner-occupiers and private tenants may be eligible, although the necessary approval must be obtained from the landlords if the property is rented.

What Upgrades Can ECO4 Offer Instead of Electric Heaters?

In many cases, ECO4 aims to move low-income households away from inefficient direct electric heating rather than replace it with similar systems.

Depending on your property, ECO4 may offer:

• Modern storage heaters
• High-retention models and efficient use of off-peak power by up-to-date control methods.
• Insulation measures, including:
  • Loft insulation
  • Cavity wall insulation
  • Solid wall insulation (where appropriate)

Insulation can be retrofitted before or at the time of heating upgrade installations.

Alternative Heating Systems

In some households, ECO4 can help change their current heating source to a completely different one (like air source heat pumps) if it provides a long-term savings benefit and carbon emissions reductions.

What ECO4 Does Not Usually Cover

It is necessary to have realistic expectations. ECO4 does not finance these:

• Portable electric heaters
• Conventional panel heaters as replacement options
• Portable electric heaters without substantial efficiency enhancements
• Luxury or cosmetic heating upgrades

The aim is specifically the reduction of fuel poverty, rather than convenience enhancements.

Why ECO4 Is Careful With Electric Heating

Electricity is more expensive per unit than gas in the UK. Whereas an electric heater can be clean, it is often expensive to run if the system is inefficient or the home loses heat easily.

That’s why ECO4 focuses on:

• Reducing heat loss first
• Installing systems that use electricity more wisely
• Improving overall home efficiency

It’s not just about acquiring new and modern technology; it’s about reducing bills and having a warmer home.

Are Private Tenants Eligible to Apply for the ECO4 Electric Heater Scheme?

Yes, private tenants may qualify for support from the ECO4 scheme for upgrades to electric heating in their homes if:

• They meet the income or benefit criteria
• The property has a low EPC rating
• The landlord gives permission

ECO4 upgrades do have an added benefit as they can also improve a landlord’s EPC rating, which helps them meet legal rental requirements.

How to Apply for ECO4 Support

The application process is typically easy when working through an ECO-approved installation partner or energy supplier.

The process normally follows this order:

1. Eligibility check: Based on income, benefits, and property details

2. Home assessment: To confirm heating type and efficiency issues

3. Grant approval: Funding confirmed under ECO4

4. Installation: Work carried out at no or minimal cost

There’s no need for direct application to the government. It’s taken care of by the approved provider.

Is ECO4 Worth It If You Have Electric Heating?

If you’re currently using old electric heaters and finding it costly, you might benefit from what ECO4 has to offer:

• A warmer home
• Lower energy costs
•  Safer and more reliable heating
• Payment is not required at signing

Although electric heaters themselves would not be replaced on a one-for-one basis, the difference that ECO4 offers is a huge one.

The Bottom Line

So, do electric heaters qualify for ECO energy schemes?

Under ECO4, the answer is yes – in the right circumstances. While traditional electric heaters aren’t always like-for-like replacements, households with ineffective electric heating might be eligible for upgraded storage heaters, insulation, or other measures to genuinely lower their costs.

If you have come across a Free Storage Heater Grant scheme, this will most likely be included as part of the ECO4 funding, and this could possibly be your best opportunity to switch from expensive and outdated methods of heating your home. If your home is heated by electricity and your energy bills are unaffordable, it is well worth exploring whether you are eligible.

ECO4 has one mission: to support households like yours. So, check if you qualify today!