Evreything SoFi

$SoFi

[Evreything SoFi @stocks_il]

1/8 🧵
A company I think could make a lot of strategic sense for $SOFI to acquire: Zero Hash.

Not because SoFi needs another crypto product.

Because Zero Hash could fill one of the biggest missing pieces in SoFi’s financial infrastructure stack.

[Evreything SoFi @stocks_il]

8/8
This is obviously speculation.

But strategically, Zero Hash sits almost exactly at the intersection where $SOFI is moving:

Banking + stablecoins + crypto + payments + infrastructure.

SoFi has built the bank and the asset.

Zero Hash could help connect everything else.

[Evreything SoFi @stocks_il]

There is also the monetization angle.

Instead of only earning from SoFiUSD itself, $SOFI could potentially capture fees from:

stablecoin transfers, conversions,custody,liquidity, crypto trading, settlement and tokenized assets.

More fee based revenue

[Evreything SoFi @stocks_il]

6/8
Then add Galileo.

Imagine:

Galileo = financial infrastructure for fintechs
Zero Hash = digital asset infrastructure
SoFi Bank = regulated banking layer
SoFiUSD = settlement asset

That starts looking like a vertically integrated financial operating system.

[Evreything SoFi @stocks_il]

1/8 🧵
A company I think could make a lot of strategic sense for $SOFI to acquire: Zero Hash.

Not because SoFi needs another crypto product.

Because Zero Hash could fill one of the biggest missing pieces in SoFi’s financial infrastructure stack.

[Evreything SoFi @stocks_il]

5/8
Now connect this to SoFiUSD.

Today SoFiUSD is the asset.

Zero Hash could become part of the distribution layer.

Banks, fintechs, brokers and payment companies using Zero Hash could potentially gain access to SoFiUSD through infrastructure they already use.

[Evreything SoFi @stocks_il]

4/8
Zero Hash already supports 100+ digital assets, operates across 200 jurisdictions and connects stablecoins across many different blockchains.

Instead of $SOFI building every integration itself, it could own the infrastructure connecting those ecosystems.

[Evreything SoFi @stocks_il]

3/8
That is basically what Zero Hash does.

It gives banks, brokers and fintechs one infrastructure layer for crypto, stablecoins and tokenized assets — including custody, liquidity, settlement, compliance and blockchain connectivity.

[Evreything SoFi @stocks_il]

2/8
SoFi is building something much bigger than a consumer bank:

• SoFiUSD
• 24/7 settlement
• Big Business Banking
• Galileo
• Crypto trading
• Mastercard settlement
• Global payments

But connecting all of that across blockchains is another layer entirely.

[Evreything SoFi @stocks_il]

How big is $SoFi $25B?

[Evreything SoFi @stocks_il]

How big is $SoFi $25B?

[Evreything SoFi @stocks_il]

@DataDInvesting @anthonynoto @SoFiIR https://t.co/qIkYPF7qOg

[Evreything SoFi @stocks_il]

Revolut is valued at nearly 10x SoFi despite no 10x gap in fundamentals.

The key difference? Revolut is built almost entirely on fee-based revenue, while lending still dominates SoFi.

$SOFI needs to prove it’s more than a lender. If it does, the upside could be massive.

[Evreything SoFi @stocks_il]

$SOFI
Nasdaq +2.66%
SoFi +0.2%

The market still sees SoFi as a lending company that gets hurt by higher interest rates.

@anthonynoto job is to prove otherwise.

[Evreything SoFi @stocks_il]

Revolut is valued at nearly 10x SoFi despite no 10x gap in fundamentals.

The key difference? Revolut is built almost entirely on fee-based revenue, while lending still dominates SoFi.

$SOFI needs to prove it’s more than a lender. If it does, the upside could be massive.

[Evreything SoFi @stocks_il]

@DataDInvesting @anthonynoto @SoFiIR Since going public, SoFi has delivered on the reality yet the stock price has barely moved. Meanwhile, companies doing less but staying far away from balance sheet lending have reached much higher valuations. Sometimes you have to be smart, not just right.

[Evreything SoFi @stocks_il]

@DataDInvesting @anthonynoto @SoFiIR A higher valuation creates value too: cheaper equity, stronger employee compensation and retention, greater M&A capacity, easier fundraising, stronger credibility with partners, and more strategic flexibility.

[Evreything SoFi @stocks_il]

@DataDInvesting @anthonynoto @SoFiIR You’re right on the economics. But the market is pricing the model differently. A low stock price has a cost too. If SoFi leans into what the market rewards, it can earn a much higher multiple and that higher valuation brings real strategic advantages.

[Evreything SoFi @stocks_il]

@StockSavvyShay @StockMarketNerd @FuturumEquities When?