Richard Shane
JPMorgan Chase & Co, Research Division

Good afternoon. I'm Rick Shane with the JPMorgan Consumer Finance team. Thank you for joining us. I have the pleasure today of welcoming SoFi's CEO, Anthony Noto. While he has been the CEO since 2018, I think that, that really sort of just a little bit of what you've done along the way, served in the military, worked at the NFL, was a technology executive in another company and then joined the company in 2018.

Richard Shane
JPMorgan Chase & Co, Research Division

In the time that you've been there, you've really led the transformation from a company that was focused on student loan refinance to a full platform of consumer financial services, most recently adding blockchain and crypto to the platform or a bank now. So it's been a really exciting, I guess, 8 years at this point. Tell us a little bit about sort of what you guys have done and where you see yourselves headed?

Anthony Noto
CEO & Director

Sure. Now that we are able to offer crypto again, which we're doing and buy, sell and hold 30 different coins and have launched our own stablecoin, payment stablecoin called SoFiUSD, we've now kind of transitioned from a one-stop shop to what we like to call the digital financial everything app. And the reason why we've made that transition is that we've reached incredible scale, 15 million members, 22 million products. We're growing at a really high rate. We grew revenue last quarter at 41% following 35% growth in 2025 and over 35% CAGR over the last 5