It sounds like you’re referring to a vision of Sofi (or a similar company) as a comprehensive financial ecosystem, beyond just a mobile bank. Sofi, in this context, would be more than just a place to manage your money; it could offer a wide range of integrated financial services, including:

1. **Personal Finance Management**: Tools to help users budget, track expenses, and set financial goals.

2. **Investment and Wealth Management**: Access to investment portfolios, retirement planning, and financial advisory services.

3. **Insurance**: Options for health, life, auto, and property insurance.

4. **Loans and Credit**: Personal loans, student loan refinancing, mortgages, and credit cards.

5. **Savings and Checking Accounts**: High-yield savings accounts, checking accounts with no fees, and integrated spending insights.

6. **Financial Education**: Resources and tools for financial literacy, such as educational content and workshops.

The goal would be to provide a seamless and holistic approach to managing all aspects of a user’s financial life through a single platform. This integrated approach can simplify financial management, potentially saving users time and money while offering personalized financial advice and services. 

Is there a particular aspect of this vision you're interested in, or any specific features you'd like to explore further?