SoFi is a digital-first financial services platform that provides lending, banking, investing, and technology solutions to help members achieve financial independence through a mobile-native application. The company operates three primary business segments: lending (personal, student, and home loans originated and serviced digitally), financial services (digital checking and savings accounts, investment and trading tools, credit cards, and cryptocurrency trading), and a technology platform (API-based banking and payments infrastructure licensed to financial institutions and other enterprises). SoFi generates revenue through net interest income and origination fees on loans, membership fees and trading commissions from financial services products, and licensing and maintenance fees from its technology platform; the business model emphasizes increasing revenue per member through cross-selling while leveraging its bank holding company status to fund loans at lower cost and retain deposits.