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  "documentTitle": "SoFi Technologies (SOFI)",
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  "authorName": "Muddy Waters, LLC",
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  "presentationDate": "2026-03-22 00:00:00",
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  "notes": "The slide lists questions 1-7 of an 11-question set. It highlights potential accounting misstatements and lack of transparency.",
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      "kind": "callout",
      "text": "SOFI has now had the questions for 18 days under our pseudonym and five days under our own name. They have answered none of them.",
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      "text": "Below are the eleven questions we asked. SOFI has now had the questions for 18 days under our pseudonym and five days under our own name. They have answered none of them. Each question is paired with the reason it matters.",
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      "text": "II. The Questions",
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