Born in 2011 from Stanford brains, SoFi slays the fintech game with no-fee banking, 4.60% APY savings, loans, investing, and even crypto—all in one app. With $73B+ in loans and a stadium named after it (cough SoFi Stadium), this $16.9B powerhouse ditches credit scores for smarter underwriting. Whether you’re refinancing debt or chasing financial freedom, SoFi’s got your back—with sass, high-tech perks, and zero patience for weak money moves.