To The Moon

$SoFi Technologies Inc.(SOFI)$ $Robinhood(HOOD)$ $Coinbase Global, Inc.(COIN)$ 🔊📈📊 Momentum is exploding in fintech. I’m positioning aggressively as SoFi’s crypto flywheel ignites and volume surges through resistance.

🤖🚀⚡ SoFi’s Crypto Flywheel, Channel Charge, and Gen Z Wallet Domination ⚡🚀🤖

Introduction

SoFi closed Friday at $17.18 and edged slightly higher to $17.22 in the post market, outperforming the broader indices and printing a new 52-week high. Just days after OCC cleared crypto custody for federally chartered banks, SoFi launched its stablecoin remittance product, giving users the ability to send and receive crypto and USD globally, 24/7. That headline came at the exact moment price triggered a golden cross and broke above multi-month resistance. I’m all in on what’s unfolding.

📰 Fundamental Snapshot

Q1 2025 revenue reached $772,000,000, up 33 % year-over-year, and net income printed at $71,000,000, marking SoFi’s sixth straight GAAP-profitable quarter. Member count climbed by 800,000 in the quarter to 10,900,000, a 34 % YoY gain. This isn’t random growth. It’s driven by a full-stack ecosystem across lending, deposits, investing, credit cards, and now crypto rails, purpose-built for a Gen Z cohort that favours mobile wallets over branch-based banking.

Management’s launch of stablecoin-powered international remittances taps into a $600,000,000,000 market, offering 24/7 crypto-to-fiat transfers and fee-based monetisation. It’s also a direct play on digital wallets, which are expected to account for 52.5 % of global e-commerce spend in 2025. SoFi’s platform sits right at the centre of this macro shift.

📈 Technical Set-Up

The weekly chart just confirmed a golden cross as the 10-week MA crossed the 30-week. Price completed a full V-shaped recovery inside a 3-year ascending channel. My medium-term target is the upper rail near $21. On the daily, two consecutive closes above the upper Bollinger band signal a volatility squeeze. Immediate resistance sits at the prior high of $18.42. Daily RSI is near 67, so I expect a shallow pullback into the 20-day EMA around $15.50 before another move higher.

📊 Proprietary Pattern Projection

I’ve overlaid my historical pattern projection on a long-term custom chart:

Scenario 1

• Pullback to $14–$12 in July–August

• Breakout move to $24–$26 by December

Scenario 2

• Immediate breakout through $18.42

• Continuation to $21, then $25 by year-end

Both paths converge toward a Fibonacci and trend confluence at $29 in Q1 2026. A longer-term breakout of the green megachannel projects $60+ in the next major leg higher.

💸 Options and Short Flow

On 27 June, options exploded: 707,000 contracts traded (2.1× daily average). Implied volatility was 57.7 %, with an IV rank of just 22 %, keeping calls attractively priced. Open interest now stands at 3,280,000 contracts with a bullish 1.6 : 1 call skew.

Short interest is 148,129,397 shares, 13.6 % of float, with just 2.3 days to cover and a 0.41 % borrow rate. That’s a low-cost, high-crowded trade setup that could be forced out violently. I’m holding Jan 27 $15 LEAPs from $2.27, now trading at $6.25, trimming near $7, and looking to reload on dips near the 20-day EMA.

🌐 Macro Context

The Fed’s 4.25 %–4.50 % hold gives SoFi room to operate without margin pressure, while markets are pricing in a 70 % probability of a rate cut by September. That’s bullish for SoFi’s deposit cost spread. The OCC’s stablecoin ruling removes the regulatory overhang and unlocks new business lines for fee-based growth.

Management raised full-year guidance to $3.2B–$3.3B in adjusted net revenue, citing remittances and crypto offerings as incremental contributors. This macro + regulatory mix is an underrated driver of SoFi’s multiple expansion going into Q3–Q4.

📊 Institutional and Analyst Heat Map

Q1 13F filings showed net institutional buying led by Coatue, Millennium, and Viking Global, while quant trimming was minimal. Stephens initiated coverage with an Overweight and a $20 target, citing SoFi’s “productivity loop” and “funding advantage.” Truist sits at Hold with a $14 target, cautious on 2026–2027 assumptions, while Barclays remains Equal Weight at $12.

The average Street target is $14.73, which implies downside, yet upgrades usually trail price action. That divergence has historically preceded fresh coverage bumps once new product monetisation becomes visible.

🔎 Watchlist and Game Plan

• Support: $15.50 (20-day EMA), $13.90 (50-day EMA)

• Resistance: $18.42, $21, $25

• Options Hotspots: July $20 calls, Jan 27 $25 LEAPs

• Catalysts: 29 July Q2 earnings, final OCC rule, Gen Z crypto marketing, Fed rate decision

Strategy: I’m accumulating pullbacks to the 20-day EMA, adding through $18.42 with a stop under the 50-day EMA, scaling out at $21 and $25, and rolling up LEAPs if IV stays muted. A confirmed breakout of $25 opens up $29 by Q1 2026 and $60 on a multiyear view.

🚀 Conclusion

SoFi isn’t just a fintech name I’m trading—it’s a generational platform play. It sits at the intersection of trust migration away from legacy banks, global remittance disruption, and the biggest financial wallet shift since credit cards. With a golden cross confirmed, stablecoin monetisation just launched, and institutional flows building, I see asymmetric upside. My conviction remains high.

📢 Don’t miss out! Like, Repost and Follow me for exclusive setups, cutting-edge trends, and insights that move markets 🚀📈 I’m obsessed with hunting down the next big movers and sharing strategies that crush it. Let’s outsmart the market and stack those gains together! 🍀

Trade like a boss! Happy trading ahead, Cheers, BC 📈🚀🍀🍀🍀

@Tiger_comments @TigerWire @TigerPicks @TigerStars @TigerClub @TigerObserver @Daily_Discussion