According to @LexSokolin, SoFi has modernized its risk stack with AI, enabling policy deployment 50% faster than traditional systems, source: @LexSokolin (Nov 17, 2025, X). The post frames speed as the primary bottleneck for fintech growth and points to this AI-driven risk stack as the lever improving execution pace, source: @LexSokolin (Nov 17, 2025, X). No cryptocurrencies are mentioned in the post, so no direct crypto market impact is stated, source: @LexSokolin (Nov 17, 2025, X).