$SOFI CEO on the BoA Fireside: "The strategic importance of Tech business is as important as it ever has been. But that business is meant to first serve the consumer needs. If we own the technology end to end, we control our destiny (cost, speed etc.) It's had a big impact on SoFi directly. It'll be even greater in 2025."

The Journey of a True Believer: My Unshaken Faith in $SOFI For years, I have been surrounded by fellow investors—self-taught, deeply involved in tech, and passionate about the market. We debate, we analyze, and we speculate. The same names dominate our conversations: $NVDA, $PLTR, $META, $MSFT, $HOOD, $GOOG, $AMZN $TSLA and more. Each investor has their favorite, a company they believe in with unwavering conviction. For me, that company has always been $SOFI. A Journey of Patience and Conviction - I’ve watched the market give exponential returns to those who picked the right stocks at the right time. Palantir skyrocketed past $100. Robinhood hit $57. These were once stocks I considered investing in at $8, $10, $12—but I stayed true to SoFi. I saw something bigger than short-term gains. I saw a company transforming finance, not just competing in it. Surviving the Cycles, Enduring the Manipulation - Retail investors know this struggle too well. We are not hedge funds; we don’t have unlimited capital. We don’t play the game with billions in liquidity. Yet, we are the backbone of true growth stocks. SoFi, quarter after quarter, has delivered—growing its revenue, expanding its tech infrastructure, and proving its worth. Yet, the stock? •Runs up before earnings. Crashes after. •Short sellers manipulate sentiment. •Retail learns the pattern—buy the hype, sell before the dip. And still, I stayed. I held through every dip, every attack, every manipulated earnings drop, because I understood what was being built. Building the AWS of Fintech: A Vision Greater Than Any Stock Price, SoFi is not just a bank. It is a fintech powerhouse with Galileo and Technisys—a backend infrastructure so powerful that legacy banks either need to acquire, partner, or lose to fintech. Legacy Banks move very slow because: •Their Simple UI updates take months to rollout. •Their systems are clunky, outdated, and inefficient. •They struggle to retain younger customers, who prefer the speed, ease, and transparency of fintech. SoFi is the fintech building a full-stack financial ecosystem. Loans, banking, investments, technology. An unstoppable force that the market has yet to fully grasp. Why Do I Hold? Because I Believe in Execution, Not Hype. • $AMZN was called an online book company for years. • $TSLA was dismissed as toy automaker. • $NFLX was laughed by comparing to Blockbuster. SoFi is still “just a neobank” to many. But those who truly understand see the deeper play—the tech platform, the infrastructure, the shift in financial power. Yes, I have watched my investment underperform. Yes, I have questioned the timing. But conviction is not about convenience—it’s about belief. A Message to the Management: I trust the execution. I trust the leadership. I trust the vision. This is not just another stock. This is a movement. SoFi Bulls Are Built Different: I call this true loyalty—not blind faith, but informed, relentless conviction. Companies like this don’t just make life easier—they transform industries. One day, the market will catch up. Until then, I remain here, standing firm, unshaken. SoFi to the core. Through every storm. Through every manipulation. Through every short attack. When that breakout happens, we will be the ones who saw it before the world did.