Financials are the 2nd-worst S&P sector YTD: XLF −4.2% vs SPY 8.1%. But here's the stat nobody talks about -- History says that's exactly when the rotation clock starts ticking: • Longest XLF losing streak since 2010: 5 quarters • After every 5 pt lag quarter: outperformance within 1–3 quarters (11/11) • Yield curve 90bp and steepening — the classic bank tailwind When the market rotates next, history puts financials at the front of the queue. Here's the full breakdown, plus the 4 signals to watch for confirmation Check out my article here 👇 $XLF $SOFI $NU

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It was a pleasure to sit down with the CEO of $SOFI @anthonynoto to discuss the future of SOFI on @basispointpod. Thank you Anthony for taking the time!

BIG NEWS FOR $SOFI If the Clarity Act closes the yield loophole on stablecoins, the market might be missing who actually wins from that and it’s not the obvious names. Right now, $CRCL makes most of its money from USDC reserves sitting in short-term Treasuries. If the bill limits the ability to pass yield to users, that model becomes less attractive, and the competitive edge shifts to banks that already have direct access to the Fed. That’s where $SOFI Technologies gets interesting. Because SoFi is a nationally chartered bank, it can hold reserves directly at the Federal Reserve instead of relying on Treasury portfolios. That means it earns Interest on Reserve Balances (IORB), which is structurally different from stablecoin yield. Here’s the key part most people miss: • The bill targets passive yield paid on stablecoins • It does NOT fully block usage-based rewards, fee reductions, or banking incentives • Banks with Fed access can repackage yield as benefits instead of calling it yield $SOFI could do things $CRCL cannot: •Lower transaction fees •Offer cashback-style rewards •Give better savings / checking incentives •Bundle stablecoin with banking products •Capture spread from IORB without violating the law That turns regulation into a moat. If this version of the bill survives, the stablecoin market may shift from crypto issuers to regulated banks And in that scenario, SoFi is competing with the entire banking system, with a tech stack built for it.

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.You are guessing. You don't know because you haven't asked. No need to guess you can ask me. There is only one reason I buy SoFi it's because I think it's a great risk reward DESPITE the concentration. I am a blue color kid from Poughkeepsie and no matter how much money I have $1 million is a ton of money and I have a thousand other ways to spend it or use it that would be meaningful and impactful to people and organizations that are near and dear to me and my family. BTW a prepaid forward is not a sale it's a way to finance liquidity. I can roll it forward each time before expiration if i want (many times) and keep participating in the upside and not resulting in a sale and tax event. Look at the price point of the ceiling and that might make you more informed about how I think about value in a given time period. No need to guess it's all researchable and when you can't find the answers just ask me. And Going forward I will correct your mistakes. This time I will give you the benefit of the doubt. WDW

I can picture @anthonynoto buying $SOFI like crazy right now loll. We're so back! 🚀🚀

I speculate the acquisition of $ZETA by @OpenAI in coming months. It would be a directly synergy with GEO and instant monetization case which OpenAI currently needs the most. Valuation should be ~10bn.