SOFI do have quite a bit of near term catalysts, like student loan refinance, pagaya AI collaboration and their investment products, good way to get some gen z users on board. In the long run they will have to find a way to somehow get into partnership with some crypto for sure though. If they execute next year well and manage to build on that momentum, then I might hold it longer, otherwise I'll sell and roll my money into crypto probably around 2023.$SoFi Technologies Inc.(SOFI)$