$SoFi Technologies (SOFI.US)$ Patience pays off. The upcoming generation will begin to use Financial Data & Stock Exchanges like Sofi, which do not have physical stores, instead of traditional banks with physical locations. Just like Palantir was in the past, investing in U.S. stocks is a test of patience. Furthermore, the difference from the Rakuten app is that using Sofi Bank, depending on the amount, there seems to be point rewards and an interest rate of 4.6%.