SoFi vs Cash App (Kuyerekeza kwa 2024)
M'ndandanda wazopezekamo
Nkhani yathu ya SoFi vs Cash App imakupatsirani chitsogozo chokuthandizani kusankha pakati pa SoFi ndi Cash App. M'malo mongoyang'ana kuti wamkulu ndani, timakupatsirani chidziwitso chokuthandizani kuti muwone yemwe ali woyenerera zosowa zanu bwino.
SoFi ndi Cash App imapereka maakaunti owunika ndi njira zopezera ndalama zenizeni, zomwe zimapangitsa kuti ntchitoyi ikhale yosavuta komanso yachangu. Komabe, pali kusiyana kwakukulu pakati pa awiriwa. SoFi sikuti imapereka njira zopezera ndalama komanso imapereka macheke ndi akaunti zosungira. Kumbali inayi, Cash App ili ndi maakaunti owunikira ndalama koma osati maakaunti osungira. Kusiyana kwina ndikuti SoFi imatsimikizira kuti ndalama zanu zimapeza chiwongola dzanja, pomwe Cash App sichikutsimikizira kubweza. Zotsatira zake, nkhaniyi imakuthandizani kusankha pakati pa SoFi ndi Square's Cash App pofanizira bwino nsanja ziwirizi. Mukawunikiranso kufananitsa kwathu, mudzatha kudziwa kuti ndi nsanja iti yomwe ikugwirizana bwino ndi zomwe mukufuna musanatsegule akaunti.
Pali njira zambiri zoyendetsera ndalama, zomwe zimapangitsa kuti zikhale zovuta kusankha yoti musankhe. Posankha pulatifomu yoti mugwiritse ntchito, kumbukirani kuti mutha kugwiritsa ntchito nsanja zingapo pazogulitsa zosiyanasiyana kutengera zomwe mumakonda. Chifukwa chake, nkhaniyi ikufuna kukuthandizani posankha pakati pa SoFi ndi Square's Cash App kudzera mu kufananitsa kwathunthu kwa nsanja zonse ziwiri. Mukawerenga nkhaniyi, mudzatha kudziwa kuti ndi nsanja iti yomwe ili ndi zomwe mukufuna musanapange akaunti.
Kufananiza Zomwe za SoFi vs Cash App
M'dziko lomwe likusintha nthawi zonse la mabanki am'manja, ogula amaperekedwa ndi nsanja zambiri za digito zomwe zimapangidwira kuti aziwongolera moyo wawo wazachuma. Zina mwa njira zatsopanozi ndi SoFi ndi Cash App-Awiri olemera omwe amapikisana pamabanki pa intaneti omwe amapereka mawonekedwe apadera omwe amakwaniritsa zosowa zosiyanasiyana za ogwiritsa ntchito amakono. M'nkhaniyi, tikufanizira SoFi, yomwe imadziwika ndi ntchito zambiri zachuma, kuphatikizapo ngongole, ndalama, ndi inshuwaransi, motsutsana ndi Cash App, yomwe yadziwika kwambiri ngati chida chosavuta kugwiritsa ntchito polipira anzawo ndi anzawo, ntchito zamabanki. , ndi malonda a cryptocurrency. Kaya mukuyang'ana kuti mukwaniritse bwino kasamalidwe kazachuma kapena kufunafuna njira yabwino kwambiri yothanirana ndi malonda ndi mabizinesi, kumvetsetsa luso lapadera ndi maubwino a SoFi ndi Cash App ndikofunikira musanapange chisankho chodziwa chomwe chikugwirizana ndi zolinga zanu zachuma.
Mitundu nkhani
- SoFi (Social Finance Inc.) ndi Cash App (yopangidwa ndi Square, Inc., tsopano Block, Inc.) onsewa ndi nsanja zothandizira zachuma. Komabe, amapereka mitundu yosiyanasiyana ya akaunti yogwirizana ndi zosowa zosiyanasiyana za ogwiritsa ntchito. SoFi imapereka zinthu zambiri zandalama, kuphatikiza SoFi Money-akaunti yoyang'anira ndalama yomwe imalandira chiwongola dzanja ndipo siyipereka chindapusa cha akaunti-ndi. Malingaliro a kampani SoFi Invest, zomwe zimalola kuti pakhale ndalama zogwira ntchito komanso zodzichitira zokha m'masheya, ma ETF, komanso ma cryptocurrencies. Mosiyana ndi izi, Cash App imadziwika kwambiri chifukwa cha ntchito yolipira anzawo ndi anzawo komanso kuthekera koyika ndalama mwachindunji mumasheya ndi ma cryptocurrencies kuchokera pa pulogalamuyi. Limaperekanso Khadi la Cash—khadi lakubanki lolumikizidwa ndi akaunti ya wogwiritsa ntchito. Ngakhale SoFi ikufuna kupereka njira yopitira ku banki yokhala ndi ntchito zina zowonjezera monga ngongole, inshuwaransi, ndi makhadi angongole, Cash App imayang'ana kwambiri kusinthana kwandalama ndi njira zopezera ndalama ngati chinthu chowonjezera m'malo mopereka ndalama.
Security Features
- SoFi ndi Cash App onse amaphatikiza zinthu zosiyanasiyana zachitetezo kuti ateteze ndalama zamakasitomala awo komanso zidziwitso zawo. Komabe, amagwiritsa ntchito njira zosiyanasiyana zowonetsera ntchito zawo zachuma. SoFi ndi kampani yazachuma yomwe imapereka zinthu zingapo, kuphatikiza ngongole, mabizinesi, ndi inshuwaransi. Kuti muteteze akaunti yanu, SoFi imagwiritsa ntchito kubisa kolimba, kutsimikizika kwazinthu ziwiri (2FA), ndikuwunika maakaunti azinthu zachilendo kuti ateteze zambiri za ogwiritsa ntchito. Kuphatikiza apo, zogulitsa za SoFi ndi inshuwaransi ya SIPC. Kumbali ina, Cash App, ntchito yolipira yam'manja yopangidwa kuti igwirizane ndi anzawo ndi ntchito zina zamabanki, imagwiritsanso ntchito encryption ndi 2FA pomwe ikupereka mwayi wotseka pulogalamuyi ndi passcode. Cash App yawonjezera njira zachitetezo, monga kuletsa kusamutsa mwachisawawa kuti mupewe kuchotsedwa mosaloledwa. Mapulatifomu onsewa amalimbikitsa ogwiritsa ntchito kuti azitha kuteteza njira zilizonse zodzitetezera kuti awonjezere chitetezo, koma ali ndi chitetezo chosiyanasiyana chifukwa cha zomwe amapereka. Ngakhale SoFi ili ndi inshuwaransi ya SIPC yazinthu zogulitsa ndalama, ndalama za Cash App ndi inshuwaransi ya FDIC ngati mutalowa mu Cash Card kapena kusungitsa mwachindunji, zomwe zimakupatsirani inshuwaransi ya FDIC kudzera kumabanki omwe mumagwira nawo ntchito.
Kugwiritsa ntchito ATM
- SoFi ndi Cash App onse amapereka ma ATM perks ndi makadi awo a debit, koma ndi kusiyana kwina ndi zolipiritsa. Omwe ali ndi akaunti ya SoFi Money amatha kupeza netiweki ya ma ATM omwe ali gawo la netiweki ya Allpoint, kuwalola kuti atenge ndalama. popanda kulipira mtengo uliwonse pa ma ATM opitilira 55,000+. Kuphatikiza apo, SoFi imabweza ndalama za ATM zomwe zimaperekedwa ndi mabungwe azachuma padziko lonse lapansi, zomwe zimapangitsa kuti zikhale zosavuta kwa ogwiritsa ntchito omwe amayenda kapena akufunika kugwiritsa ntchito ma ATM akunja. Kumbali ina, Cash App imapereka Khadi la Cash—khadi lakubanki la Visa lolumikizidwa ndi ndalama ya wosuta ya Cash App—yomwe ingagwiritsidwe ntchito pochotsa kwaulere pa ma ATM apa netiweki ngati ndalama zosachepera $300 zaikidwa mu akaunti ya Cash App mwezi uliwonse; apo ayi, chindapusa cha $2 chimagwira ntchito iliyonse. Pali chindapusa cha $2.50 chogwiritsa ntchito ATM kunja kwa netiweki ya Cash App ATM. Chifukwa chake, ngakhale onse akupereka mwayi kwa ATM ndi zinthu zawo, SoFi ikhoza kukopa kwambiri iwo omwe akufuna mwayi wokulirapo wa ATM wopanda malipiro komanso apaulendo pafupipafupi kufunafuna kubweza ngongole za chipani chachitatu padziko lonse lapansi.
Kuchepetsa Malire
- Cash App ili ndi choletsa chomwe chimangolola ogwiritsa ntchito kutero chotsa ndalama zokwana madola 1000 patsiku. Kuphatikiza apo, Cash App imalola kuti munthu achotse ndalama zokwana madola 1000 pa sabata, ndiye ngati mutatulutsa $1000 patsiku, simungathe kutulutsanso ndalama zina sabata yonseyo. Kumbali ina, SoFi ili ndi mfundo zowongoka, zolola ogwiritsa ntchito kusiya a ndalama zokwana madola 1000 patsiku ndi madola 3000 pamwezi.
Chiwongola dzanja
- SoFi imapereka chiwongola dzanja cha 4.60% pachaka (APY). pa kusunga mabanki osungitsa (kuphatikiza ma Vaults) ndi 0.50% pamabanki owunika, zomwe zimakupatsani mwayi wopeza ndalama. Mosiyana ndi izi, maakaunti a Cash App sapeza chiwongola dzanja.
Ubwino wa SoFi ndi Zoyipa
SoFi, yomwe ndi kampani yazachuma, imapereka ntchito zosiyanasiyana zachuma, kuphatikiza maakaunti, maakaunti osungira, ngongole zanyumba, ngongole zaumwini, makhadi a ngongole, zinthu zogulitsa ndalama, komanso kubweza ngongole za ophunzira. Zosankha izi zimapezeka kudzera pa pulogalamu yam'manja ya SoFi ndi mawonekedwe apakompyuta. Ubwino ndi kuipa kwa SoFi zafotokozedwa pansipa.
Ubwino: Ubwino wa SoFi
Kumbali ina, SoFi ilinso ndi maubwino awa:
- Chiyankhulo Chosavuta Kugwiritsa Ntchito: SoFi Invest imapereka nsanja yosavuta kugwiritsa ntchito, kuwonetsetsa kuti ngakhale oyamba kumene komanso anthu omwe sadziwa kubanki pa intaneti kapena kuyika ndalama amatha kuyenda ndikuigwiritsa ntchito.
- Direct Deposit Bonasi: SoFi imapereka bonasi yofikira $300 mukakhazikitsa gawo lanu loyamba lamalipiro mwachindunji.
- Palibe Akaunti Yocheperako: SoFi ili nayo palibe zochepa za akaunti.
- Palibe Malipiro a Commission: SoFi Invest imalola ochita malonda pafupipafupi kugulitsa masheya, ETFs, ndi cryptocurrency popanda kulipira chindapusa chilichonse, ndikupereka njira yotsika mtengo kwambiri.
- Mamembala a FDIC: Mabanki owerengera ndi kusunga akaunti ku SoFi ndi inshuwaransi ya FDIC mpaka $250,000.
- Magawo ang'onoang'ono: Magawo ang'onoang'ono akupezeka kudzera ku SoFi Invest, kulola osunga ndalama kuti apange ndalama zazing'ono m'masheya okwera mtengo ndikusiyanitsa magawo awo pazotetezedwa zosiyanasiyana.
- Robo-Advisory: SoFi Invest imapereka maupangiri a upangiri wa robo, omwe amangoyang'anira ma portfolio malinga ndi kuchuluka kwa chiwopsezo chomwe akufuna komanso zolinga zachuma. Njira yopangira upangiriyi ndiyabwino kwa osunga ndalama omwe amakonda njira yochepetsera ndalama.
- Zida Zophunzirira: SoFi Invest imapereka zida zophunzitsira zosiyanasiyana, monga zolemba, ma webinars, ndi zida zokonzekera zachuma, kuthandiza osunga ndalama kuti adziwe zambiri pakuyika ndalama ndikupanga zisankho zodziwika bwino.
- Maakaunti Opuma pantchito: SoFi Invest tsopano imathandizira maakaunti opuma pantchito, kuphatikizapo IRAs ndi 401 (k)s. Kwa kanthawi kochepa, mutha kulandira 2% IRA machesi pazopereka zanu za SoFi IRA.
- Malire: Malire amapezeka pamaakaunti a ndalama okhala ndi ndalama zokulirapo kuposa 2k.
Zoyipa: Kodi Zoyipa za SoFi ndi ziti?
SoFi ili ndi zovuta zingapo, kuphatikiza:
- Zosankha Zogulitsa Zoletsedwa: SoFi Invest imapereka njira zingapo zogulitsira, monga masheya, ma ETF, ndi ma cryptocurrencies, koma poyerekeza ndi nsanja zina zamalonda, zosankha zitha kukhala zochepa. Zotsatira zake, osunga ndalama omwe akufunafuna zinthu zinazake kapena misika yama niche atha kupeza kuti zosankha zawo ndizochepa. Kumbukirani kuti kuyika ndalama kumafuna chiwopsezo, choncho ganizirani kupeza upangiri wa akatswiri azachuma musanapange chisankho.
- Zida Zofufuza Zochepa: Zida zofufuzira zoperekedwa ndi SoFi Invest zitha kukhala zosatsogola kwambiri poyerekeza ndi nsanja zina zamalonda. Otsatsa omwe amadalira kwambiri kafukufuku wamsika wamsika ndi kusanthula angaone kuti zida zomwe zilipo sizokwanira.
- Thandizo la Makasitomala: Pakhala pali malipoti a ogwiritsa ntchito omwe akukumana ndi zovuta ndi chithandizo chamakasitomala, kuphatikiza nthawi yayitali yodikirira mayankho komanso zovuta kulumikizana ndi woyimira. Izi zitha kukhala zokhumudwitsa, makamaka ngati mukufuna thandizo mwachangu kapena muli ndi mafunso ofunikira.
- Chiwongola dzanja: Ngati mulibe ndalama zambiri zothandizira ngongole yanu, mungafunike kulipira chiwongoladzanja chokwera. Izi ndichifukwa chakuti SoFi, monga wobwereketsa, imaganizira zachuma posankha zisankho.
Tsopano popeza tafanizira zabwino ndi zovuta za SoFI, ndi nthawi yoti mufufuze Cash App.
Ndemanga ya Cash App Banking
Square's Cash App ndi njira yabwino yolipirira mafoni yam'manja yomwe imathandiza anthu kutumiza ndi kulandira ndalama mosavuta kudzera mu pulogalamuyi pa mafoni awo. Pofika pa Marichi 30, 2023, Anthu 44 miliyoni akugwiritsa ntchito ntchito za Cash App. Monga tafotokozera m'magawo otsatirawa pakuwunika kwathu kubanki, Cash App ili ndi zabwino ndi zovuta izi:
Ubwino: Ubwino wa Square's Cash App
- Tumizani Ndalama Mwachangu: Cash App ndi njira imodzi yosavuta komanso yachangu kwambiri yotumizira ndalama pakati pa anthu. Choyamba, yambitsani pulogalamuyi ndikuyika dzina la wolandirayo ndi ndalama zomwe mukufuna. Kenako, pulogalamuyi idzakufunsani kuti mutsimikizire zomwe zachitika. Zikatsimikizidwa, ndalamazo zimasamutsidwa mwachangu, ndipo ndalamazo nthawi zina zimapezeka muakaunti ya wolandila mumasekondi pang'ono.
- Khadi la Cash: Cash Cash Card ya Cash App ndi kirediti kadi yopanda chindapusa pamwezi kapena zofunikira zochepa. Podikirira kuti kirediti kadi yawo ifike pamakalata, ogwiritsa ntchito amatha kulipira nthawi yomweyo ndi Google Pay kapena apulo kobiri kuti mufike mwachangu.
- Palibe Akaunti Yocheperako: Cash App ili nayo palibe zochepa za akaunti.
- Ndalama Zachindunji: Kukhazikitsa madipoziti mwachindunji ya malipiro ndi yosavuta komanso yaulere.
- Palibe Macheke a Ngongole: Cash App imasowa macheke angongole pamaakaunti awo owunika, Makhadi a Cash, kapena ndalama zotsogola.
- Gulani ndi Kugulitsa Bitcoin: Mosiyana ndi nsanja zina, mutha kugula ndikugulitsa Bitcoin pa Cash App. Malinga ndi tsamba la kampaniyo, a ndalama zogulira Bitcoin pakadali pano ndi 0.75% mpaka 3%, kutengera ndalama zonse zosinthira. Ndalama zotsika izi zimapangitsa Cash App kukhala yokongola poyerekeza ndi Coinbase ndi nsanja zina zofananira zogulitsira ma cryptocurrencies.
- Kusamutsidwa Kwaulere Kwa Masiku 1-3: Mutha kutumiza ndalama popanda malipiro pogwiritsa ntchito kusamutsa kokhazikika, komwe kumatenga masiku 1-3. Kusamutsa pompopompo amapeza chindapusa cha 0.50% mpaka 1.75%..
- Kuchepetsa Kubweza: Cash App imapangitsa kuti zikhale zosavuta kuti abwenzi azibwezerana ndalama popereka gawo logawaniza mabilu mosavutikira. Mwachitsanzo, ngati inu ndi anzanu atatu mumadyera ku lesitilanti ndikusankha kugawa bilu, munthu mmodzi akhoza kulipira ndalama zonsezo pamene ena angawabwezere pambuyo pake. Cash App imasunga mbiri yake ndikuwonetsa tsatanetsatane wa yemwe wakubwezerani ndalama ndi nthawi yomwe adakubwezerani.
- Gulani masheya osalipira ndalama zowonjezera pamakomisheni: Cash App imakupatsani mwayi wogula ndi kugulitsa masheya popanda chindapusa, ndikuchotsa kufunikira kogwiritsa ntchito pulogalamu ina pazochitika zanu zokhudzana ndi masheya. Mbali yabwinoyi imakupulumutsirani vuto lakusintha pakati pa mapulogalamu ndikuwongolera njirayo.
Zoyipa: Kodi Zoyipa za Cash App ndi ziti?
Ngakhale Square Cash App ili ndi zabwino zambiri, palinso zovuta zina zomwe muyenera kuzidziwa.
1. Malire ochepera ocheperako masiku 30 oyamba
Chotsalira chachikulu cha Cash App ndikuletsa kwake kutumiza ndi kulandira mpaka $1,000 mkati mwa mwezi woyamba. Komabe, malire awa akhoza kukhala kuchuluka pambuyo pake mukatsimikizira kuti ndinu ndani. Kuti mutsimikizire kuti ndinu ndani, perekani dzina lanu lonse, tsiku lobadwa, ndi nambala yachitetezo cha anthu. Ngati mukufuna kuchita zinthu zazikulu msanga, mungafunike kusankha pulogalamu ina.
2. Kuphunzira kwa FDIC kumangophatikizidwa ndi Cash Card
Cash App imapereka chitetezo cha FDIC pamaakaunti okhala ndi Khadi la Cash. Kuphimba kwa FDIC kumatsimikizira inshuwaransi mpaka $250,000. Chifukwa chake, muyenera kupewa kusunga ndalama zambiri pakugwiritsa ntchito.
3. Sizingagwiritsidwe ntchito polipira mayiko ena kunja kwa US ndi UK
Cash App imapezeka ku United States ndi United Kingdom kokha. Ngati mukufuna kulipira kunja kwa mayikowa, mungafunike kugwiritsa ntchito mapulogalamu ena olipira m'manja monga PayPal kapena Venmo.
Kutengera zomwe zaperekedwa pamwambapa, mutha kuwona pang'ono za zomwe Square's Cash App imapereka. Chifukwa chake, ngati mukuwona zopereka za Cash App kukhala zokopa kuposa za SoFi, muyenera kulowa nawo papulatifomu ya Cash App.
Kusiyana kwa FDIC: Kodi SoFi ndi Cash App FDIC Ndi Inshuwaransi?
SoFi ndi Cash App onse amapereka zinthu zachuma zomwe zili ndi inshuwaransi ya FDIC mpaka pamlingo wovomerezeka, makamaka kudzera ku mabanki omwe ali ndi ma depositi amakasitomala. Maakaunti owongolera ndalama a SoFi ali ndi inshuwaransi ya FDIC mpaka $ 1.5 miliyoni kudzera m'mabanki ogwirizana nawo. Pa Cash App, ndalama zomwe zili mkati mwa pulogalamu yolumikizidwa ku Cash Card kapena akaunti yoyang'anira zimakhala ndi inshuwaransi ya FDIC mpaka malire a $250,000 pa wosungitsa ndalama pagulu lililonse la akaunti yoyenerera akayikidwa m'mabanki omwe ali nawo.
Kodi Square Cash App ndi chiyani?
Square Cash App, yomwe nthawi zambiri imatchedwa Cash App, ndi ntchito yolipira m'manja yopangidwa ndi Block, Inc. (yomwe poyamba inkadziwika kuti Square, Inc.) yomwe imalola ogwiritsa ntchito kusamutsira ndalama wina ndi mnzake pogwiritsa ntchito pulogalamu ya foni yam'manja. Utumiki ndi kupezeka ku United States ndi UK ndipo imathandiza anthu kutumiza ndi kulandira ndalama nthawi yomweyo, kulipira ngongole, kuyika ndalama m'masheya kapena Bitcoin, komanso kugwiritsa ntchito kirediti kadi yolumikizidwa yotchedwa Cash Card pochita zinthu kapena kuchotsa ATM. Zimakhudza anthu omwe akufuna kulipira anzawo mwachangu komanso ntchito zosavuta zachuma popanda kufunikira kwamaakaunti akubanki achikhalidwe kapena kusinthanitsa ndalama mwamunthu. Ndi mawonekedwe ake osavuta kugwiritsa ntchito komanso mawonekedwe osiyanasiyana, Cash App yadziwika pakati pa anthu achichepere omwe amafunikira kusavuta komanso kuyanjana kwachuma pa digito.
Kodi SoFi ndi chiyani?
SoFi, mwachidule kwa Social Finance, Inc., ndi kampani yazachuma yaku America yomwe imapereka zinthu zingapo zachuma ndi ntchito kudzera papulatifomu ya digito, kuphatikiza kubweza ngongole za ophunzira, ngongole zaumwini, ngongole zanyumba, maakaunti abizinesi, kuyika ndalama ndi ntchito zowongolera chuma, ndi katundu wa inshuwaransi. Poyambilira mu 2011 ndikuyang'ana kwambiri kubweza ngongole za ophunzira kwa omaliza maphunziro omwe ali ndi mwayi wopeza ndalama zambiri, SoFi yakula mpaka kukhala malo ogulitsira pazosowa zosiyanasiyana zachuma. Kampaniyo imathandiza anthu kupeza ufulu wodziyimira pawokha pazachuma ndikuzindikira zokhumba zawo popereka zida zatsopano zobwereketsa, kusunga, kugwiritsa ntchito, kuyika ndalama, ndi kuteteza ndalama zawo.
Kodi SoFi ndi malo otetezeka oyika ndalama zanga?
Inde, SoFi ndi malo otetezeka kuyika ndalama zanu. Mukayika ndalama muakaunti yoyang'anira SoFi kapena akaunti yosungira (kuphatikiza ma Vaults), ndalama zanu zimatetezedwa ndi inshuwaransi ya FDIC mpaka $250,000 pa aliyense amene ali ndi akaunti. Izi zikutanthauza kuti ndalama zanu ndi inshuwaransi ya federal pokhapokha ngati banki yalephera. Malire a inshuwaransiwa amawirikiza kawiri mpaka $500,000 pamaakaunti olowa omwe amakhala ndi munthu wina. Chifukwa chake, mkati mwa malire awa, madipoziti anu ndi SoFi amatetezedwa ku ziwopsezo zakubanki.
Kodi chabwino kwambiri cha SoFi ndi chiyani?
SoFi, yachidule cha Social Finance Inc., imadziwika bwino m'gawo lazachuma popereka zinthu zambiri zomwe zimakonzedwa kuti zikwaniritse zosowa za ogula amakono, kuyambira pakubweza ngongole za ophunzira ndi ngongole zaumwini mpaka kubwereketsa nyumba ndi kasamalidwe ka chuma. Chomwe chimapangitsa SoFi kukhala yokongola kwambiri ndi njira yake yopezera makasitomala, zopindula zomwe zimaphatikizapo mitengo yapikisano, ntchito zopanda malipiro, uphungu wa ntchito, ndi zochitika za mamembala zomwe cholinga chake ndi kulimbikitsa maukonde ndi maphunziro azachuma. Mawonekedwe a nsanja osavuta kugwiritsa ntchito, kuphatikiza ndi cholinga chake chomanga anthu ammudzi ndi luso lazopangapanga-monga kusaka koyambirira kwa ndalama za cryptocurrency-zimathandizira m'badwo womwe ukufunafuna wopereka chithandizo chandalama chokwanira komanso cholumikizidwa chomwe chimagwirizana ndi moyo wawo komanso njira zantchito.
Kodi mungagule masheya pa SoFi?
Inde, mutha kugula masheya pa SoFi kudzera pa nsanja yake yandalama, SoFi Invest, yomwe imathandizira onse oyambira komanso odziwa zambiri. Pulatifomu imalola ogwiritsa ntchito kuti atsegule maakaunti oyika ndalama popanda zofunikira zochepa, ndikuwongolera kugula magawo athunthu kapena magawo ang'onoang'ono amasheya ndi ma ETF mwachindunji kuchokera ku pulogalamu yawo yam'manja. Izi ndizopindulitsa makamaka kwa iwo omwe sangakhale ndi likulu logulira magawo athunthu azinthu zamtengo wapatali, zomwe zimawathandiza kuti azigwiritsa ntchito makampani omwe amakhulupirira ndi ndalama zochepa. Ngakhale SoFi Invest imapereka mawonekedwe osavuta kugwiritsa ntchito komanso njira zopezera ndalama zopezeka zofanana ndi zomwe munthu angapeze pakampani yogulitsa ntchito zonse, imadzisiyanitsa ndi njira zamakono zomwe zimayang'ana pakugwiritsa ntchito mosavuta komanso kusinthasintha kwa wogulitsa ndalama popita.
Kodi SoFi ndiyabwino pakuyika ndalama?
SoFi ndi njira yabwino kwa anthu omwe akufuna kuyikapo ndalama, makamaka omwe angoyamba kumene kudziko lazachuma kapena omwe amakonda kuchita bwino pa intaneti. Imakhala ndi zinthu zingapo, kuphatikiza kuyika ndalama mogwira ntchito komanso zodziwikiratu popanda kulipiritsa chindapusa choyang'anira, zomwe zitha kukhala zokongola kwambiri kwa osunga ndalama omwe amangoganizira za mtengo wake. SoFi imaperekanso zida zophunzitsira zothandizira oyamba kumene kumvetsetsa msika ndikupanga zisankho zodziwika bwino. Kuphatikiza apo, imalola ogwiritsa ntchito kuyika ndalama m'masheya, ma ETF, ndi ma cryptocurrencies. Komabe, monga ntchito iliyonse yazachuma, omwe angakhale nawo ndalama ayenera kuganizira zolinga zawo zachuma, kulolerana kwachiwopsezo, komanso njira zopezera ndalama zomwe zilipo papulatifomu. Ngakhale SoFi ikhoza kukhala yabwino kwa osunga ndalama chifukwa cha mawonekedwe ake osavuta kugwiritsa ntchito komanso momwe amalipira, ena atha kuwona kuti ilibe zida zina zapamwamba kapena zosankha zamabizinesi zomwe zimaperekedwa ndi nsanja zapadera.
Kodi SoFi ndi yokhazikika pazachuma?
SoFi ndiyokhazikika pazachuma ndi makasitomala omwe akukula komanso kuchuluka kwa zinthu zandalama, kuphatikiza ngongole zaumwini, kubweza ngongole za ophunzira, ngongole zanyumba, makhadi a ngongole, ndi ntchito zogulira. Kampaniyo yakhala ikupanga njira zosinthira ndalama zake ndikuchepetsa kudalira mzere uliwonse wazinthu. SoFi idachitanso bwino kwambiri popeza chikalata cha banki yapadziko lonse pogula Golden Pacific Bancorp, zomwe zithandizira kukhazikika pazachuma poilola kuvomera ma depositi ndikukulitsa luso lake lobwereketsa.
Kodi Cash App ndiyabwino kuposa banki?
Kaya Cash App ndiyabwino kuposa banki yachikhalidwe zimatengera zosowa zachuma za munthu komanso zomwe amakonda. Cash App ndi ntchito yolipira pafoni yam'manja yomwe imapereka mwayi wokhala ndi zinthu monga kusamutsa ndalama kwa anzanu ndi anzawo, kuthekera kogula ndikugulitsa Bitcoin, ndi kirediti kadi ya Cash Card yomwe ingagwiritsidwe ntchito pochita malonda kapena pama ATM. Cash App ikhoza kukhala njira yabwino kwa ogwiritsa ntchito omwe amayika patsogolo ma digito mwachangu komanso ntchito zochepa zamabanki. Komabe, mabanki azikhalidwe amapereka zinthu zambiri zandalama monga ngongole zanyumba, ngongole zamagalimoto, chitetezo chamakasitomala komanso chitetezo, ndi nthambi zakuthupi zothandizira munthu payekha. Iwo omwe akufunafuna ndalama zambiri atha kupeza mabanki achikhalidwe kukhala oyenera. Kusankha pakati pa Cash App ndi banki pamapeto pake kumatengera zovuta zomwe munthu amachita pazachuma komanso kufunikira kwawo kwamabanki osiyanasiyana.
Kodi ndingalumikize SoFi ku Cash App?
Inde, mutha kulumikiza akaunti yanu ya SoFi ku Cash App kuti muthandizire kusamutsa ndalama pakati pa nsanja ziwirizi. Muyenera kugwiritsa ntchito akaunti yanu ya SoFi ndi manambala amayendedwe, omwe amapezeka muzambiri za akaunti yanu ya SoFi. Mu Cash App, mumapita ku tabu ya 'Ndalama Zanga', sankhani 'Add Bank', kenako lowetsani zambiri zakubanki za SoFi. Mukalumikizidwa, mutha kusamutsa ndalama mwachindunji kuchokera ku akaunti yanu ya SoFi kupita ku Cash App kapena mosemphanitsa. Kuphatikiza uku kumapangitsa kuti pakhale kusinthasintha kwakukulu pakuwongolera ndi kusamutsa ndalama zanu pakati pa opereka chithandizo chandalama awa.
Kodi mungasungire cheke pa Cash App?
Inde, mungathe m'manja gawo cheke pa Cash App pogwiritsa ntchito chinthu chotchedwa 'Mobile Check Capture.' Ogwiritsa ntchito amangofunika kujambula cheke kudzera mu pulogalamuyo ndikutsatira zomwe akukuuzani kuti muyike mu akaunti yawo ya Cash App. Utumikiwu ndi wosavuta, koma pali zolepheretsa pamitundu yamacheke ndi ndalama zomwe zingavomerezedwe, ndipo zingatenge masiku angapo kuti ndalamazo zipezeke ndalamazo zitapangidwa.
Kodi ndalama za Cash App zimagwira ntchito bwanji?
Cash App Investments amalola ogwiritsa ntchito kugula masheya kapena ma ETF mwachindunji kudzera pa pulogalamuyi, pogwiritsa ntchito ndalama zomwe zimapezeka mu Cash App Balance yawo. Wogwiritsa ntchito akaganiza zogula, ndalama zomwe zimafunikira zimachotsedwa ku Cash App Balance yake. Ngati palibe ndalama zokwanira zolipirira mtengo wonse wamalondawo, ndalama zowonjezera zimachotsedwa pa kirediti kadi yolumikizidwa ndikuwonjezedwa ku Cash App Balance yawo kuti amalize kugula. Njira yosavuta iyi imaphatikiza zochitika zandalama ndi zochitika zachuma zatsiku ndi tsiku zomwe ogwiritsa ntchito atha kukhala akuchita kale kudzera mu Cash App, motero kumathandizira kuyika ndalama kwa omwe angoyamba kumene komanso osunga ndalama wamba chimodzimodzi.
Kutsiliza
Mwachidule, tsopano mukudziwa zomwe zaperekedwa ndi nsanja zonse ziwiri ndipo mutha kusankha mwanzeru zomwe zikugwirizana bwino ndi zosowa zanu. Chifukwa chake, tikukhulupirira kuti nkhani yathu ya SoFi vs Cash App yakhala yopindulitsa kwa inu. Zomwe zili m'nkhani yathu ndizongodziwa zambiri. Sikuti upangiri wandalama kapena upangiri wazachuma ndipo sayenera kugwiritsidwa ntchito ngati maziko a chisankho chilichonse chazachuma.