{"type":"rich","version":"1.0","author_name":"CapitMonet (npub15q…n43pr)","author_url":"https://nostr.ae/npub15qydznwe6gl3j57qusn0x8tum2fxlgkyt30udrpz6tctngr22zkqvn43pr","provider_name":"njump","provider_url":"https://nostr.ae","html":"1/ $SOFI isn’t just a fintech.\nIt’s trying to become a full-stack financial OS.\n\nHere’s the breakdown most people miss:\n\nTHE BUSINESS MODEL\n\nSoFi runs on 3 engines:\n\nLending → core revenue (personal loans, student loans, mortgages)\nFinancial Services → super app (banking, investing, cards)\nTechnology Platform → infrastructure for other fintechs\n\nThe real edge is the loop:\n\nAcquire users cheap → cross-sell → convert to credit → monetize\n→ repeat\n\nThis “productivity loop” lowers CAC and increases LTV.\n\nAnd it’s working:\n\nRevenue grew ~35–38% YoY\nFirst $1B quarterly revenue achieved\nFee-based revenue growing fast (less dependence on rates)"}