前言 小李身边不少人都曾憧憬过"让钱生钱"的轻松，却没料到，一场以"高回报"为诱饵的投资骗局，正借着熟人社交的信任链条悄然蔓延。 那个曾被不少人奉为"财富密码"的投资平台，最终露出了狰狞面目。 当投资者满怀期待想要提现时，96.99%的高额手续费如同一道无法逾越的鸿沟，而当初热情推荐的朋友、随叫随到的平台客服，却集体失联。 这场精心策划的骗局，不仅卷走了无数人的血汗钱，更撕碎了人与人之间最基本的信任。 无法抗拒的投资陷阱 "投10万40天变20万，投得越多赚得越多"、"我已经赚了一百多万了"，这样极具诱惑力的话语，在熟人圈子里传播时，很容易击穿人们的心理防 线。 在这场骗局中，"朋友推荐"成为最致命的诱饵。 一位朋友就曾向小李极力游说，称自己通过该平台实现了财富快速积累，言语间的笃定让不少人动了心。 心理学上有"信任迁移效应"，人们往往会把对熟人的信任，不自觉转移到他推荐的事物上，而这正是骗子精准拿捏的人性弱点。 不少人正是抱着这样的心态纷纷入局：有人投入10万，有人砸下18万，更有甚者豪掷20万，都盼着能实现"投6万挣60万"的暴富神话。 稍微理性思考便能发现，任何合法合规的投资，年化收益率能稳定在10%- ...

Core Insights - SoFi is set to report its second-quarter earnings on July 29, with the stock having tripled over the past year, indicating strong performance [1][3] - The company has made significant announcements and has potential catalysts for rapid earnings growth in the coming years [3] Growth Metrics - In Q1 2025, SoFi added over 800,000 new members, the highest in a single quarter, suggesting continued growth in Q2 [4] - SoFi originated nearly $1.2 billion in student loans in Q1, reflecting a 58% year-over-year growth rate, with expectations for continued growth due to clearer student loan policies [5] - The loan platform business generated $1.56 billion in loan volume in Q1, indicating a fast-growing source of low-risk fee income [6] Future Catalysts - Increased IPO activity this year is expected to enhance SoFi's investment platform, providing everyday investors access to IPOs [7] - The return of cryptocurrency trading on SoFi's platform is a significant development, following previous regulatory uncertainties [8] - SoFi's home loan business grew 54% year-over-year in Q1, indicating strong demand in a slow mortgage market [9] Long-term Vision - SoFi aims to become a top 10 financial institution, requiring a tenfold increase in total assets, supported by accelerating growth and an expanding product ecosystem [10][11] - The company is currently not valued cheaply compared to traditional banks, but its revenue growth rate of 33% annually and new product launches position it favorably for long-term investors [10][11]