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•announcements of significant transactions in bitcoin;

The prices of cryptocurrencies have been subject to dramatic fluctuations

Our SoFi Crypto offering exposes us to additional fraud risk.

•our ability to continue to diversify and grow our subscription and services revenue, including our stablecoin revenue;

Similarly, the European Union has adopted its own legal framework for crypto assets.

Advances in quantum computing may introduce cryptography risks that threaten the security of our information and systems and strengthen threat actor capabilities in ways that are difficult to anticipate.

The recently enacted GENIUS Act provides a regulatory framework that is in the process of being implemented.

•cryptocurrency, including stablecoins

Additionally, through various financial service partners and our OnePay fintech venture, we offer various services such as money transfers, digital payment platforms, bill payment, money orders, check cashing, prepaid access, co-branded credit cards, limited access to cryptocurrency and equity investment products, installment lending and earned wage access.

Further, any failure by us to timely implement, or by our customers to timely adopt, post-quantum cryptography in our solutions or IT systems as it becomes available could render existing cryptographic protections ineffective upon the emergence of viable quantum computing, exposing pre-quantum encrypted data and systems to compromise.

Further, new products, platforms and technologies, including stablecoins, digital assets and others based on distributed ledgers, may not require intermediation and could significantly disrupt payments processing and other financial services.

The prices of digital assets have been and may continue to be highly volatile, including as a result of various associated risks, uncertainties and events, and the long-term adoption of digital assets by investors, consumers, and businesses remains uncertain.

In the future, new computing methods, including quantum, may introduce vulnerabilities, compatibility issues, increased processing requirements, latency or service disruptions, which may render key cryptographic methods used for encryption, authentication, digital signatures, certificates, software integrity, and key establishment ineffective.

Developments of this nature may also adversely affect the value of blockchain technology we control, and our ability to buy, sell, accept, and use cryptocurrencies and blockchain technology in the future.

In addition, some users may also engage in fraudulent or abusive activities through our cloud-based and AI services, such as unauthorized account access, payment fraud, or terms of service violations including cryptocurrency mining or launching cyberattacks.