Key Highlights
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SoFi has seen remarkable success, largely due to its innovative approach, which is increasingly evident.
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The digital bank is now utilizing the Bitcoin Lightning network for fast and affordable international payments to over 30 countries through its app.
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If adoption rates increase, we might see a rise in demand for Bitcoin from a utility standpoint.
In 2025, SoFi Technologies (NASDAQ:SOFI) has demonstrated that its growth is unwavering. Adjusted net revenue rose by 38% year-over-year, and within just the last quarter, it gained 1 million new customers, bringing the total to 13.7 million.
The company’s impressive performance can, at least in part, be traced back to its emphasis on innovation and developing new products, particularly in fintech. This move highlights Bitcoin’s potential as a practical asset.
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SoFi Targets a Vast Market
SoFi is clearly aiming to break into the remittance sector. Recently, it announced an intriguing partnership with Lightspark to enable speedy and inexpensive cross-border payments directly in the SoFi app. Founded by David Marcus, Lightspark offers technology that connects financial institutions globally.
This service, part of SoFi Pay, allows users in the U.S. to send money quickly to over 30 countries. It works by leveraging the Bitcoin Lightning Network, which enhances speed and cuts costs.
User experience is a priority here. A person in the U.S. can send dollars, while someone in Mexico receives pesos in their account, all while the funds are converted to Bitcoin and processed through the Lightning Network.
Remittances represent a substantial market; for instance, $38 billion was transferred between the U.S. and India in 2024. Unfortunately, high fees and lengthy processing times often complicate things. SoFi is looking to change that.
Investors should keep an eye on what management shares about this service and its future prospects. If it helps sustain growth, particularly for customers seeking better value, SoFi could come out on top.
Bitcoin’s Shift from Asset to Payment Method
Bitcoin has skyrocketed by 17,000% over the past decade. It’s become evident that top digital assets can yield significant returns. However, SoFi’s recent move underlines the potential of the underlying blockchain technology.
People may not be interested in the technical specifics, but when it comes to avoiding hefty fees and sending money quickly to loved ones, that becomes a priority. Companies like SoFi that embrace this technology stand to gain financially.
In Bitcoin’s case, the advantages are clear. This could lead to increased demand and trading activity, potentially driving prices up over time.
Is Now the Right Time to Buy SoFi Technologies Stock?
Before jumping in on SoFi Technologies stock, consider this:
According to Motley Fool Stock Advisor, there are ten stocks identified as solid investment opportunities right now—and SoFi Technologies isn’t one of them. These alternatives could offer substantial returns in the coming years.
Just to give some context, if you had invested $1,000 in Netflix back when it was first recommended, you’d now have about $414,554. Similarly, a $1,000 investment in Nvidia would have grown to around $1,120,663. You see, the average return for the stock advisor shows an impressive 884%, significantly outperforming the S&P 500’s 193% return.
