Andrew Jeffrey

Is the business truly widening out? Is that the right way we should do should be interpreting those results?

how you balance the economics of those loans versus interest bearing loans

How much do you think what we're seeing today is structural In other words

As we look to the second half and you lap some of those powerful gains, How do we think about transaction profit

learnings from variable pricing in MyPay. And if that's sort of a lever you can pull to drive monetization

Could you just sort of frame up for us how the credit performance is in that particular product, what the growth opportunity is?

where do you think transaction margin at 1% is in MyPay? And I guess as kind of a follow-up on that,

Can you talk a little bit about what the extent of your stablecoin movement infrastructure ambitions are? Is Coinbase content with being a CPN participant? Or is the company looking to expand offer...

please discuss line of sight to Everything Exchange monetization. What are your thoughts on the timing about revenue diversification?

I wonder if you can sort of dimensionalize for us sort of timing in your mind for more commercial adoption outside of crypto?

could you maybe dimensionalize that for us? Is it is that an initiative that could add to already impressive segment organic revenue growth?

Could you sort of parse out domestic vehicle payment, organic revenue growth versus Brazil?

I wonder if you could just sort of frame up for me what you think the long-term opportunity is in that business?

the yield on these big enterprise clients, I guess, I mean, if investors ask, can you kind of frame up how you're thinking about that business?

as we think the '26 and '27 that organic revenue growth could even accelerate from these levels? Or how are you framing that as you plan out over the next couple of years?

are they going to be both a customer using on-ramp and off-ramp? And are you going to be a customer of theirs or a distribution partner

can you talk specifically to their network as well as your own AP business just around monetization rates

you mentioned enterprise last quarter as a new thrust within the corporate payments business. Can you give us an update there in terms of pipeline?

what portion of the full stack AP business is card attached today? And maybe talk about plans to monetize ACH

can you talk a little bit about sort of your view of Corpay's right to win among enterprise customers? I understand the deal you signed this quarter was with an existing customer

can you talk about the areas where you think you have the ability to add sort of durable value with value-added services and what the yield progression

is it possible that value-added services attach maybe dips before going back up again and just so sort of adoption of those services

can you just comment on sort of the nature of that distribution channel compared to the historical JVs

What other markets are you targeting for those kinds of solutions?

I wonder if I could dig in a little bit on the economics of your tokenized offerings

Is this the time to sort of focus on monetization sort of at the margin versus member growth?

Can you elaborate a little bit on the acceleration in KPI growth, whether it's sustainable

does that change your thought on how you fund that growth on balance sheet deposit driven

can you talk a little bit about the anticipated funding mix going forward?

can you envision a time where SoFi is just materially a fee based business? And what are the implications for that for deposit

talk about perhaps where you'd like to see fees as a percent of the total, given your long-term ROE aspirations

I wanted to ask a question on the Flex credential, which is really intriguing

has there been a philosophical change or a change in emphasis perhaps in Visa's value-added services

I wonder if you could touch on why you think as we do, that these are superior products for consumers