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SoFi Research

The document provides information on various loan, investment, and insurance products offered by SoFi, including student loan refinancing, personal loans, home loans, investing in stocks, ETFs, and crypto through SoFi Invest, cash management through SoFi Money, and renters, home, auto, life and estate insurance through SoFi Protect. It lists the key features of each product, how SoFi generates revenue from the products, and its partners.

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Cynthia Chua
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141 views4 pages

SoFi Research

The document provides information on various loan, investment, and insurance products offered by SoFi, including student loan refinancing, personal loans, home loans, investing in stocks, ETFs, and crypto through SoFi Invest, cash management through SoFi Money, and renters, home, auto, life and estate insurance through SoFi Protect. It lists the key features of each product, how SoFi generates revenue from the products, and its partners.

Uploaded by

Cynthia Chua
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Loans

Features Monetization Partners License

Student Loan securitizations and MOHELA https://www.sofi.com/


Refinancing whole loan sales. legal/#licenses
● Medical American Association
Resident 2.25% - 6.49% of Endodontists
Refinancing Variable APR with (AAE)
● Parent Plus autopay
Refinancing Johnson Service
● Medical 2.99% - 6.94% Group (JSG)
Professional Fixed APR with
Refinancing autopay
● Law & MBA
Refinancing

Private Student Loans 4.13% - 11.52% MOHELA https://www.sofi.com/


● Undergraduate Fixed APR legal/#licenses
Student Loans Edmit
● Graduate 1.74% - 11.89%
Student Loans Variable APR
● Law & MBA
loans
● Parent Student
loans

Personal Loans 5.99% APR to Johnson Service https://www.sofi.com/


● Home 18.85% APR Group (JSG) legal/#licenses
Improvement
Loans
● Credit card
consolidation
● Relocation
Assistance
● Medical Loans

Home Loans Fixed rates Fannie Mae https://www.sofi.com/


● Mortgage depending on your Pro.Com legal/#licenses
● Mortgage ability to pay
refinancing
● Cash-out Adjustable rates
refinancing depending on your
● Home Equity ability to pay
Investment and spend

Features Monetization Partners License

SoFi Invest 1.25% on all crypto Coinbase https://www.sofi.com/


● Crypto transaction Social Finance, Inc legal/#licenses
● Stocks Apex Clearing
● ETF Earn interest from Corporation,
both uninvested cash Xignite
held in the account
(through an FDIC
sweep program that
also helps keep your
cash safe)

Commission fee for


loaning stocks

Earn money from


sending customer
orders to third-party
market makers–a
practice known as
payment for order
flow. The market
makers carry out the
customer orders, and
regulatory rules

ETFs - charge
management fees
annually.

SoFi Money Small amount of Samsung Pay, United States


interest on the money Metabanks, Hills banking license
in the accounts and Bank and Trust
from the merchant Company, Mastercard
with each swipe of EagleBank, East International
the debit card. West Bank, Tristate Incorporated
Bank Capital Bank,
and Wells Fargo.
Insurance

Features Monetization Partners License

SoFi Protect Earn a set marketing Ladder https://www.sofi.com/


● Renters fee every time a Lemonade legal/#licenses
Insurance member submits an Gab
● Homeowner application for life Root Insurance
Insurance insurance.
● Auto
Insurance
● Life Insurance
● Estate
Planning
“whole loan sales” - sell a group (called a “pool”) of loans in their entirety to investors
“securitizations” - group the loans together and their combined cash flows pay specific
groups of investors (called “tranches”) in a specific sequence

ETF rates
ETF Name ETF Ticker Gross Expensive Ratio
SoFi Select 500 SFY 0.19%
SoFi Next 500 SFYX 0.19%
SoFi Social 50 SFYF 0.29%
SoFi Gig Economy GIGE 0.59%
SoFi Weekly IncomeTGIF 0.59%

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