SoFi CEO Anthony Noto.
Sean M. Haffey—Getty Images

After making a name for itself via student-loan refinancing, financial-­technology darling SoFi last year launched a bevy of new offerings, including a credit card, an auto-loan-refinancing tool, IPO investing options, and more. It also became the first full-service financial-­technology startup to receive a formal U.S. banking license, a big step on the way to becoming a fully fledged major bank. “We’re changing what banking is and feels like,” says CEO Anthony Noto. “And we won’t stop until we’re one of the top 10 financial institutions in the country.”

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