$SoFi Technologies Inc.(SOFI)$ SoFi the business has so much potential. Why? Because they’ll eventually get into any financial product you can think of but everything mobile/online. Much less costs with cross selling capabilities and $50 CAC vs $1000 CAC for a brick mortar. Less fees, better rates, better technology. But the main reason it has potential? The tech platform that will see an acquisition next year to further advance that business alongside Galileo. Collect small fees from all the other neobank competitors. Early guesses for acquiesced, Apex clearing.