AMD Man

$sofi Looking at my Sunday metrics on my posts explaining my views and analysis of the various representations and conclusions in Muddy Waters report, shows an 8x increase. Their report had little effect and if they are still short, they may try to get more publicity. If they have read my analysis and the analysis of others on X, they now should know that their representions could be inaccurate and thus should be reviewed by appropriate experts. By seeking additional publicity and not correcting the inaccuracies, they risk meeting a reckless disregard standard, which could cause them to lose the protections of anti slapp statutes that many short sellers issuing these types of reports rely on to dismiss cases so that don't have to defend their work and representations. No lawyer would recommend that they do it. So that's likely what they will do, which to me tells you something.

$sofi Groks analysis Yes, Tim Sweeney (@Tim_Sweeney_TAR) is largely right in his substantive rebuttals of the Muddy Waters short report on SoFi Technologies ($SOFI). His analysis aligns well with standard GAAP interpretations (particularly ASC 860), common industry practices in loan securitizations and sales, and the limited public responses from experts/analysts. Muddy Waters' claims appear overstated or based on misinterpretations of protective/legal mechanisms that are routine in fintech/banking lending

@EricLDaugh You don’t have to be right wing to not want a religion that will out breed you, get a majority and then force you to convert or kill you. You just have to be mildly intelligent.

🚨 BREAKING: Germany's right-wing anti-Islamic migration party just SURGED in tonight's West Germany state elections, making a SURPRISING +11 point gain AfD has nearly DOUBLED its seats from just a few years ago Take your country BACK from the 3rd world!

@insiderinvests $40 million, time for a holy sh*t post.

@Catgoesfak @Sam_Badawi I bought below $10 because it’s a disruptive company with multiple business verticals that is growing revenue and margins (operational leverage). I am buying now for the same reason. Bookmark this and reach out in 2030. I will share all my gains or losses if MW is right.

@Sam_Badawi Regardless of the short report, SOFI was overvalued and everyone kept buying at the 20's because of the sp500 hopeium

$SOFI is not the ONLY company Muddy Waters went after. From China frauds... to U.S. growth names. But most controversial were $APP, $ELF, and even $LMND 🧵

$sofi Kris, If anyone had any minimal experience in banking transactions, they'd know two things. Those questions are based on a misunderstanding of the terms of these COMMON transactions. It's very typical in loan sale transactions to file a protective ucc1 form. It's meaningless. Second, all their arguments that loans are disguised sales and their over generalized self serving conclusions on not qualifying as True loan sales under ASC are not based on any evidence. To make that determination, you need to review all the terms of numerous legal documents and the conditions and restrictions imposed by such documents, all the reps and warranties in all the agreements, provisions on remedies and contingencies, review the True Sale Attorney opinion, then review the accountants memo on asc 860. You have literally 20 to 30 of the best attorneys in the country structuring and reviewing these agreements. Even the opinion lawyer by counsel on the True Sale status is reviewed by the law firms opinion committee and often by another outside counsel. And explaining all those concepts is not simple. This is not just an issue in loan sale agreements. There are numerous situations where attorneys draft agreements that look like a hybrid and you can't look at the general description with only a limited background or experience and make any supportable argument or conclusion. It's an issue in debt v equity agreements. It's an issue in sales vs leases. It's an issue in long term v short term assets. It's an issue in repairs vs capital improvements. And many more. When buyers of a loan want protections, even things like remedies for the failure of a rep or warranty, don't change the inherent nature of the agreement because of that contingency. Think about this... if you ask Sofi to create a $500 million lpb package for you, are you going to have a simple one page loan agreement. No. Maybe you will have them rep and warrant that the loans were issued to customers with that level of credit you desired. If it turns out that customers slipped through for any reason, you'd want a remedy for that breach which could be substitution or could be repurchase. Such a Peruvian is allowed by FASB and is a standard risk allocation Peruvian and not a way for the seller to maintain control. And even though that's effectively a repurchase requirement, it's not considered at all for purposes of asc 860 There's other terms you may want to include for protection of all parties. For example, the test for a true sale for bankruptcy courts is much different than the test under asc 860 and it's based on specific state law that varies by state (which is one of the reasons you file a protective UCC 1 on every loan sale). These are two of maybe 30 conditions and restrictions that attorneys include to ensure True Sale treatment. There's many others. Provisions that limit buyers recourse for credit losses in time and scope, while simultaneously allowing some limitations. Provisions providing the buyer unrestricted rights to sell and pledge the asset but then placing limited restrictions on those rights such as a limited right of first refusal. Provisions to avoid mandatory repurchase options, but also having a 10% clean up call allowed by asc 860 So as you can see, it's not as easy to explain as you suggest. And you're trusting their opinion on these issues without having any evidence or review of the actual agreements. Are they even remotely qualified to give legal opinions in any event. The singular reliance on the ucc 1 as evidence of anything tells you the report isn't credible. What you don't know, you don't know.

@dandakich @JimmysSeafood Small dick energy is exuding from him.

Fuck off I stand w @JimmysSeafood

This 14 second clip got over 13k+ likes in under 48 hours “You ever think that maybe food is so expensive because, I don't know, 42 million people get it for free?” Really think about this

😂

- 🚨 $SoFi SoFiUSD + Mastercard Partnership: Main Threats to Legacy Banks It Bypasses Slow Legacy Settlement Rails Enables instant, 24/7 settlement for card transactions, remittances, and B2B transfers via Mastercard's global network, eliminating delays, intermediaries, and float opportunities that legacy banks profit from. Erodes Deposit Stickiness & Liquidity SoFiUSD (fully reserved, bank-issued) acts as a programmable, always-on dollar alternative, potentially shifting funds away from traditional accounts and causing gradual deposit runoff (estimated 3–5% risk over years from stable coins). Disintermediates Legacy Infrastructure SoFi/Galileo offers white-label stable coin settlement to other banks/fintechs, forcing incumbents to partner (losing control/economics), build their own (costly/slow), or risk losing clients to faster players. Compresses High-Margin Fees & Profits Reduces reliance on wire/FX/correspondent fees and settlement intermediaries; shifts value to regulated blockchain rails controlled by innovators like SoFi, pressuring legacy banks' payments revenue. Accelerates Programmable Money Shift Bridges regulated banking with blockchain efficiency on a major card network, making 24/7, low-cost global money movement mainstream — legacy banks slow to adapt face increasing irrelevance in cross-border/B2B flows. SoFi profits from SoFiUSD + Mastercard via: - Interest earned on 1:1 cash reserves at the Fed (low-risk spread). - Settlement/transaction fees on instant 24/7 payments via Mastercard network. - White-label licensing & infrastructure revenue through Galileo for banks/fintechs. - High-margin, scalable income as volume grows—minimal credit risk, shifting toward durable fee-based earnings

@insiderinvests Interesting: grok.com/share/bGVnYWN5…

Holy sh*t The $SoFi stablecoin just went from $16 million to $26 million

My mom just called me from Iran through her landline. I haven’t spoken to her since February. She said that Israel and the US are bombing the regime nonstop. They taped all the windows because the building shakes constantly. I asked if any civilians are getting hurt, and she replied “No, No, No. No normal civilians are getting hurt” Everyone is hanging in there and counting the days for this regime to end and for the return of the Shah. 🇮🇷

Dear former New Yorkers in Palm Beach, Miami and Naples Florida, Please come back to New York so we can tax you and send it to illegal aliens for their free hotels, free healthcare, fake daycares and fake hospice companies. Yours, NY Gov Kathy Hochul

$sofi This this is almost laughable that Tim Switzer doesn't know what a protective UCC filing is and supports that this is some sort of smoking gun.. what an idiot x.com/i/status/20343…

Holy sh*t The $SoFi stablecoin just reached $10 million

@insiderinvests I’m seeing $16 million?

🚨 JUST IN: Senate floor erupts as Republicans push hard on the SAVE America Act—Sen. Marsha Blackburn accuses Democrats of siding with illegal immigration.

Congrats to our @Sofi Invest team for being ranked #1 in Do It Yourself Investor Satisfaction!! BOOM 💥 Still day 1 @Sofi💥

@insiderinvests @Carson_C_Block He is a goofy looking guy.

$SoFi @Carson_C_Block I believe in my opinion if I'm correct you are the biggest piece of sh*t out there