rich1.0CapitMonet (npub15q…n43pr)https://nostr.ae/npub15qydznwe6gl3j57qusn0x8tum2fxlgkyt30udrpz6tctngr22zkqvn43prnjumphttps://nostr.ae1/ $SOFI isn’t just a fintech. It’s trying to become a full-stack financial OS. Here’s the breakdown most people miss: THE BUSINESS MODEL SoFi runs on 3 engines: Lending → core revenue (personal loans, student loans, mortgages) Financial Services → super app (banking, investing, cards) Technology Platform → infrastructure for other fintechs The real edge is the loop: Acquire users cheap → cross-sell → convert to credit → monetize → repeat This “productivity loop” lowers CAC and increases LTV. And it’s working: Revenue grew ~35–38% YoY First $1B quarterly revenue achieved Fee-based revenue growing fast (less dependence on rates)