Christopher Whitten

Investor/Trader $PLTR $NVDA $SOFI $SOUN $AMC $HYMC just to name a few.
Sports and Outdoors are some favorite hobbies.

[Anthony Noto @anthonynoto]

SoFi Coach is here! 🔥🚀 We built it because everyone deserves better tools to get their money right. Can’t wait to hear what you think!

[SoFi @SoFi]

Say “hi” to SoFiUSD (SoFiD) 👋

The first stablecoin issued by a U.S. national bank and redeemable 1:1 for cash or cash equivalents. Rolling out now, it’s built for how money moves today: fast, flexible, 24/7.

[Anthony Noto @anthonynoto]

🔥👇

[Tannor Manson @Futurenvesting]

William Blair Upgrades $SOFI to Outperform. (They don't do price targets)

"We believe it is time to aggressively accumulate.
Today’s sharp reversal on modest fourth quarter 2025 upside and significantly better-than-expected 2026 and medium-term guidance is overdone and not reflective of accelerating profit growth, in our opinion. We believe SoFi is proving its value as a one-stop financial services shop, offering the broadest array of savings, investing, borrowing, spending, money movement, and rewards products. Impressive 35% fourth-quarter member growth, powered by a 250-basis-point year-over-year unaided brand awareness improvement, speaks to a rising profile, in our view. We see SoFi’s simple consumer value proposition resonating as it encourages members to “get their money right.” SoFi offers what we consider one of the most compelling interest expense savings propositions in the market, addressing roughly $1 trillion of revolving credit card debt that could be refinanced at lower rates."

[SoFi @SoFi]

SoFi’s diverse business keeps delivering a winning combination of growth and returns. This is the power of a one-stop shop that's obsessed with serving members’ financial needs every single day.

[Anthony Noto @anthonynoto]

First, thank you for listening to our @Sofi earnings conference call in such detail (see below 👇).

Second, you accurately captured issues with credit cards that must be solved in my quote.

Third—and unstated but clearly observed— some banks and lenders don’t actually want revolving credit card balances to amortize down. If there were no revolving balances, ceteris paribus, they would lose a significant amount of money due to the cost of rewards. Our @SoFi personal loans not only carry rates (10–12%) that are up to half of typical credit card rates, but they also amortize and help borrowers get out of debt—ironically similar to our private refinanced student loans when compared to federal student loans, which in some cases last until death.

For many banks and lenders, credit cards have effectively become “subscription credit.” Some customers payments are almost entirely interest each month, with very little principal reduction. In some cases, they pay just enough to keep the line open so they can rely on unused credit for “emergencies,” while avoiding delinquency and the loss of access to that unused portion of the line.

Another issue I mentioned is reward points. We just introduced the SoFi Smart Card, which offers rewards only on groceries—specifically, 5% back on grocery spending. Why? Because people need to eat. We’ve effectively made food 5% more AFFORDABLE.

People who use the Smart Card are essentially given a 5% discount on something they must spend on in perpetuity. Who else is cutting the cost of food by 5% without providing other reward incentives that encourage spending beyond one’s means? Our decision to offer 5% back on groceries was 100% purposeful—focused on non-discretionary spending.

From your tweet:

“@anthonynoto during the most recent SoFi fireside chat discussing the predatory nature of credit cards:

‘It’s a dichotomy—banks are supposed to help you, but they give you these reward points like a drug you keep chasing, without realizing you’re building a balance you’re not going to pay off.

You’re getting charged 20–25% interest, and most people don’t realize they’re paying that much.

And so we’re going after those people and refinancing them down from 25% to 12%."

[Anthony Noto @anthonynoto]

.👇Yes, sir. If this is enacted—and that’s a big if, though part of me hopes it is—we would likely see a significant contraction in industry credit card lending. Credit card issuers simply won’t be able to sustain profitability at a 10% rate cap.

Consumers, however, will still need access to credit. That creates a large void—one that @SoFi personal loans are well positioned to fill. I’ve long believed many consumers are disadvantaged by high-reward credit cards (they know who they are), only to end up carrying tens of thousands of dollars in balances at 20–30% APRs. In many cases, those balances are effectively interest-only and can persist indefinitely.

By contrast, a SoFi personal loan at 9–13% offers a lower rate with a fully amortizing structure that actually pays the balance down. If credit card lending contracts, SoFi can step in to offer borrowers a more transparent, lower-cost alternative to revolving debt. We could also expand to a larger target market & appropriate rates with still great returns.

This dynamic would also materially simplify marketing. Today, credit cards win the acquisition battle because consumers don’t realize they’re signing up for high-interest, long-duration debt—until they’re already deep in it. Only then do many borrowers find @SoFi as a solution to an existing problem. If credit card lending contracts, SoFi personal loans become the solution before the problem exists, not after. SoFi marketing shifts from debt consolidation to smart upfront financing.

Bottom line: less credit card lending could translate directly into more personal loan demand for SoFi. Giddy up!!

Also if this scenario plays out, underwriting discipline and borrower education become even more important—SoFi’s advantage isn’t just price, it’s helping customers exit debt, not revolve in it. GYMR!!

[Anthony Noto @anthonynoto]

Blockchain is changing the way money moves. SoFiUSD combines our regulatory and operational strength as a national bank with the efficiency of on-chain settlement - safer, faster, and built for scale.

[Ron DeSantis @RonDeSantis]

Term limits for the US Congress is a long-needed reform that will dislodge the entrenched political class and restore true representative government.

Term limiting members of Congress enjoys massive public support across virtually every demographic — regardless of partisan affiliation, race, gender, or age, Americans want to see term limits.

States have the ability to propose — and ultimately enact — a constitutional amendment for term limits.

Florida has already certified it and so have about a dozen states. More are considering it and I anticipate the movement will continue to gain traction.

Term limits can happen. We just need states to step up and do the job the founders envisioned they would do.

[Marko Katanic @marko_katanic_]

Most fat loss plans fail because they ignore the basics.

They go straight from “eat less, train more” to burnout and rebound.

Fat loss isn’t a quick switch.

It's a process your body has to adapt to, step by step.

Here’s what the entire process should look like👇

[Christopher Whitten @Ghostchill85]

@JKoziispy7 I tried purchasing LEAPS with some of my profits from selling options. That was January. I'm sure you can guess how those are doing now...

[Anthony Noto @anthonynoto]

2025 is off to a strong start. @SoFi set new records in member and product growth, doubled revenue in Financial Services through rapid innovation, and delivered unmatched value to help more members than ever get their money right and realize their ambitions.

[Anthony Noto @anthonynoto]

.@TRADEsterJJ Rest assured, I see and read every word about our company, our team and me. It takes great restraint not to reply and correct the massive disconnect (by some) between what is critical to do and when to do it versus what is not critical to do. It also takes restraint not to react impulsively to defend my team from what I perceive as unfair and unjust treatment. I am responsible for whatever does or doesn't happen—period—no excuses. Don't get me wrong I want everything done yesterday and no one is pushing harder to move faster and faster and faster every second of every minute, of every hour, of every day with a founder's mentality than me. That's always been my approach. But doing everything is not realistic and most of what people may think is important is miscalculated. Do I strike you as a person that knows what needs to be done and decides not to do it? Or perhaps what one thinks needs to be done is not the right priority?  That's not to say we are moving at the pace we want (we never will).  We make mistakes in execution that cause delays (so learning fast is critical) and we are not always as a fast as we want on everything we do, but sometimes being fast out of the gate can cause one to be much slower later (which is the case in a couple of things) only to be able to move 5x faster in the future. Speed matters and we will fail without being fast. But fast and wrong is also failure.  A Sustainable Competitive Advantage is the Critical Success factor that ALL should be judged and in this sector Sustainable Competitive Advantage is GROSSLY misunderstood and for that I could not be more grateful. You can be sure I will not correct those incorrect points of view and I would never mention other companies in any regard. It's not who I am. We will focus on our strategy, our priorities and we will execute and deliver just like we have for the last 7 years.  Is the world accelerating again? Yes you bet it is and we recognized that way, way before the last few months so we are accelerating as well. It was lonely being one of a few trying to change the world of finance through a challenging macro backdrop, regulatory winter, and the worst rate changes in our lifetime. But we UNIQUELY delivered durable growth and constant innovation for 20 consecutive quarters. I welcome everyone to run faster, build better, and have a bigger impact because it will cause a swell as it has in the past and the biggest and best benefit the most especially those with the best strategy, the best execution and the FASTEST BUILDER OF COMPETITIVE SUSTAINABLE ADVANTAGE (which is different than just making announcements or just shipping).  We learned this in 2019 and fixed it in 2020.  I couldn't be more confident in our strategy and the sustainable competitive advantage we have (and others do not) and that we will continue to build CSA faster than anyone else. We know what we need to do and are fully committed to doing it.   Who Dares Wins…Fresh Horses

[Christopher Whitten @Ghostchill85]

@IsabellaMDeLuca I just love how after all the other things he listed, "have to lister to her talk" is the nail in the coffin...LMAO

[Christopher Whitten @Ghostchill85]

@felixprehn Don’t like that only one option can be selected. I think risk management and emotional control are equally crucial.

[Cole Grinde @GrindeOptions]

NEWS: $SOFI partners with Mastercard on their new One Credential solution.

“At Galileo Financial Technologies, we are thrilled to collaborate with Mastercard on their One Credential solution, an innovation that brings simplicity, flexibility, and choice to payments. By adopting One Credential, we’re helping customers set new standards of convenience, optionality and security in every transaction:” - Derek White

[SoFi @SoFi]

Do you have a major ambition you’re trying to reach? Start a SoFi Vault, set a goal amount, and make moves by automating your deposits every paycheck. With one of the best APYs in the league, you could hit that milestone before you know it!

[Christopher Whitten @Ghostchill85]

@kylewhitegoat I think it is MM trying to burn options premium more than anything else.

[Anthony Noto @anthonynoto]

What a Year‼️And the best is yet to come.

1️⃣ The performance of our Financial Services and Technology Platform businesses generated strong results, and demonstrate we are not just a lender anymore. Together, these businesses generated $1.2B, +54% YoY, accounting for 47% of net revenue

2️⃣ @Sofi total Fee-based revenue across our business was a record $970 million in 2024 up 74% YoY, accounting for 36% of net revenue. We expect Fee-based revenue to grow faster than the rest of business and become a significant majority of our revenue overtime.

3️⃣ Our deliberate diversification is driving growth in a meaningful and durable way. 💪🏻 Our best days are yet to come.