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SoFi $SOFI keeps growing and adding new products, but the stock has been taking a hit this year.

Now there's been a pretty big deal with Mastercard. SoFi became the first U.S. national bank to launch card payment settlement via its own stablecoin SoFiUSD. It plans to gradually move its entire card program, which processes over $25 billion annually, to this system.

For the average person, nothing really changes. You pay with your card just like before. It's just that in the background, some payments will settle over the blockchain and the merchant can receive funds faster, even 24/7.

But at the same time, SoFi still has to deal with regular banking issues. Higher rates can help on one hand, because the bank earns more on loans, but they also discourage people from borrowing. And for a company that still has a large part of its business built on lending, that's pretty significant.

I have SoFi in my portfolio, and what I still like about the company is that its business no longer revolves just around student loans. It has become a bank, an investment app, a technology platform, and now a piece of payment infrastructure.

Do any of you have SoFi in your portfolio? And what's your take on the current situation?

A community member's personal view, not investment advice. Community Guidelines

VS

Personally, I owned $SOFI for a while, but then I sold it after Muddy Waters was short and published their report. We'll see how it goes in the future, I'm currently analyzing it for my members.

M

I have... in the future I expect a significant move upwards... well, we'll see...

MS

I'm still holding for now, we'll see, I bought around $10, so I'm still calm.

L

I already bought at 6-8-11 dollars, then it nicely grew to 31 and fell again, but in the future it will go up again, it just needs time

KJ

I don't have any shares in my portfolio. I watched them a lot in the spring, but not so much over the summer. I saw some shareholder dilution and a decline in various segments, which isn't something shareholders want to see in a growth company. But if the price gets below $16 and keeps going down, maybe I'll take a bit.

RP

It's simple. If the tech leg fails, the period of higher payments will push it down. Great company. Bad macro.

MS

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