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SoFi hits record revenue and doubles down on crypto

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SoFi hits record revenue and doubles down on crypto

SoFi posts record quarter with $1B revenue, stronger crypto and payments push, and 2026 growth outlook as shares climb over 6% on guidance.

SoFi Technologies Inc. reported its first billion-dollar revenue quarter and net income of $173.5 million in the fourth quarter, the company announced, marking the financial technology firm’s ninth consecutive profitable quarter.

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Adjusted net revenue reached $1.013 billion, up 37% from the same period last year, according to the company’s financial results. Adjusted EBITDA grew 60.6% to $317.6 million, representing a 31% margin. Fee-based revenue surged 53% to $443.3 million, the company reported.

The fintech added a record 1.027 million new members during the quarter, bringing its total membership to 13.7 million, with product additions hitting 1.6 million. Financial Services products, including SoFi Money, Relay, and Invest, drove 89% of the expansion, with segment net revenue rising 78% to $456.7 million, according to the results.

SoFi advanced its cryptocurrency and blockchain strategy in the fourth quarter, launching its stablecoin, SoFiUSD, on a public blockchain for enterprise 24/7 settlement and resuming consumer crypto trading. The company also expanded blockchain-enabled cross-border payments via the Bitcoin Lightning Network in over 30 countries, following its partnership with Lightspark.

Chief Executive Officer Anthony Noto outlined plans for borrowing and staking options, building on earlier 2025 announcements, according to the company.

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Management projected total membership growth of at least 30% in 2026, with full-year adjusted net revenue expected at $4.66 billion and adjusted net income around $825 million. Shares rose over 6% in pre-market trading following the announcement.

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How to Choose the Right AI Development Partner for Enterprises in 2026

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Core Criteria for Selecting an AI Development Partner

Key Takeaways:

  • Enterprises need production-ready, scalable AI systems to drive real business impact.
  • Clarify business problems, workflows, and success metrics before choosing a partner.
  • Look for technical expertise, domain knowledge, and co-development capabilities.
  • Ensure data protection, governance, and ongoing support are built in.
  • Evaluate use cases, conduct technical assessments, run PoCs, and finalize IP and support models.

The landscape of enterprise technology has shifted. In 2026, artificial intelligence is no longer an experimental feature; it is the core engine of corporate strategy. According to Gartner, by 2026, more than 80% of enterprises will have moved from basic generative AI pilots to production-grade systems, including multi-agent architectures and domain-specific models.

As the global AI market is projected to reach $312 billion in 2026, the pressure to choose a capable AI development partner has never been higher. This guide provides a strategic framework for identifying, evaluating, and onboarding the right AI development company to lead your digital transformation.

Understanding Your AI Requirements Before Engaging a Partner

Before evaluating any AI development company, enterprises must clearly define their internal objectives and constraints. As AI systems become more complex, success increasingly depends on aligning technical architecture with measurable business outcomes.

1. Clarify the Business Problem

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Enterprises should begin by identifying the exact problem AI is expected to solve. This may include reducing operational inefficiencies, improving decision accuracy, automating high-volume workflows, or enabling new revenue models. Leading organizations are shifting away from bottom-up experimentation toward targeted, high-impact transformations aligned with strategic priorities.

2. Identify the Type of AI Solution Required

Different business goals require different AI approaches. Common enterprise-grade solutions in 2026 include:

  • Multi-Agent Systems (MAS): Autonomous agents that collaborate to execute complex, multi-step workflows.
  • Domain-Specific Language Models (DSLMs): Models trained or fine-tuned on industry-specific data to improve reliability and contextual understanding.
  • Recommendation and Personalization Engines: AI systems that drive individualized experiences across marketing, sales, and digital platforms.

3. Define Success Metrics Early

Traditional metrics such as model accuracy are no longer sufficient. Enterprises increasingly track performance through operational and financial indicators, including decision latency reduction, inference cost relative to business value, risk mitigation, and employee productivity gains.

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Choose a Trusted AI Development Partner

The Enterprise AI Partner Landscape in 2026

The market for custom AI development services has matured and diversified. Selecting the right AI development partner depends heavily on an organization’s scale, regulatory environment, and technical maturity.

Common Types of AI Service Providers

  • Global Consulting Firms: Suitable for large-scale digital transformation initiatives, though often slower and more expensive to execute.
  • Niche AI Specialists: Strong in advanced R&D and complex model development but may face challenges scaling enterprise-wide deployments.
  • Product-Led AI Firms: Offer faster deployment using pre-built platforms, with potential limitations in customization and IP ownership.

1. Co-Development and IP Ownership

  • Global Consulting Firms: Suitable for large-scale digital transformation initiatives, though often slower and more expensive to execute.
  • Niche AI Specialists: Strong in advanced R&D and complex model development but may face challenges scaling enterprise-wide deployments.
  • Product-Led AI Firms: Offer faster deployment using pre-built platforms, with potential limitations in customization and IP ownership.

2. Co-Development and IP Ownership

Enterprises are increasingly favoring co-development models that allow them to build proprietary intellectual property alongside their AI solutions provider. This approach reduces dependency on vendor-controlled platforms and supports long-term strategic flexibility.

3. Local vs. Distributed Delivery Models

While distributed teams offer cost efficiencies, enterprises in regulated industries often prioritize providers with a strong regional presence to address data residency, compliance, and governance requirements.

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Core Criteria for Selecting an AI Development Partner

1. Technical Capability and Innovation

An enterprise AI development partner must demonstrate hands-on expertise with modern AI architectures, including agent-based systems, retrieval-augmented generation (RAG), and vector databases. Equally important is a commitment to continuous research and experimentation with evolving open-source and commercial AI frameworks.

2. Industry and Domain Knowledge

Domain familiarity significantly accelerates development timelines and reduces operational risk. Partners with experience in regulated industries such as finance, healthcare, or logistics are better equipped to handle domain-specific data structures, compliance obligations, and validation requirements.

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3. Collaboration and Delivery Model

AI development is inherently iterative. Enterprises should look for transparent governance structures, clearly defined roles across data science and engineering teams, and agile delivery processes that emphasize frequent validation over long development cycles.

4. Security, Compliance, and Governance

In 2026, AI security and governance are non-negotiable. A qualified AI solutions provider for enterprises must demonstrate adherence to regional regulations, provide explainability mechanisms, and maintain full data lineage across training and deployment pipelines.

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5. Pricing Structure and Long-Term ROI

Enterprise AI investments typically extend beyond initial development. Organizations should assess the total cost of ownership, including infrastructure usage, ongoing monitoring, retraining, and performance optimization. Flexible pricing models—such as dedicated teams or hybrid engagement structures—often provide better long-term value than rigid fixed-price contracts.

Core Criteria for Selecting an AI Development Partner

A Step-by-Step Enterprise AI Partner Selection Process

Step 1: Identify High-Value Use Cases

Rather than pursuing broad AI initiatives, enterprises should prioritize workflows where AI can deliver measurable operational impact. High-value use cases often involve decision automation, exception handling, or high-volume manual processes.

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Step 2: Design a Future-Ready RFP

Modern RFPs should assess more than cost and timelines. Enterprises should evaluate a partner’s MLOps maturity, approach to model monitoring, explainability frameworks, and ability to support agentic workflows.

Step 3: Conduct a Technical Deep Dive

Involving senior technical stakeholders is essential. Enterprises should assess architecture design, data handling strategies, and cloud-native deployment approaches to ensure scalability and avoid vendor lock-in.

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Step 4: Run a Production-Oriented PoC

A proof of concept should reflect real-world conditions. Using unrefined enterprise data allows organizations to evaluate a partner’s ability to manage data complexity, deliver reliable performance, and meet defined KPIs within a limited timeframe.

Step 5: Finalize Governance, IP, and Support Models

Before onboarding, enterprises should clearly define IP ownership, model maintenance responsibilities, performance SLAs, and post-deployment support mechanisms to ensure long-term alignment.

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A Step by Step Enterprise AI Patner selection Process

Critical Warning Signs When Evaluating an AI Development Partner

  • Unclear System Architecture: If a provider cannot clearly explain how their AI system works end to end—including data flow, decision logic, and integration points—it’s a sign the solution may not be production-ready.
  • No Plan for Post-Deployment Maintenance: AI models require continuous monitoring, retraining, and performance evaluation. A partner that treats deployment as the finish line is likely to deliver a system that degrades quickly over time.
  • Lack of Cost Transparency: Be cautious of vendors who provide high-level estimates without detailing infrastructure usage, cloud compute requirements, data preparation costs, or long-term operational expenses.
  • Generic or Reused Demonstrations: If the same demo or example is used across industries and use cases, it suggests limited customization capability. Enterprise AI solutions should be designed around specific business and domain requirements.
  • Limited Accountability After Delivery: A weak or undefined support model—such as unclear SLAs, response times, or ownership boundaries—can create operational risk once the solution is live.

Positive Indicators When Evaluating an AI Development Partner

  • Clearly Documented Development Processes: A strong AI development partner follows well-defined, repeatable frameworks for data ingestion, model training, validation, deployment, and monitoring. This signals maturity and reduces delivery risk.
  • Deep Focus on Data Quality and Validation: Instead of starting with tools or timelines, the right partner spends time understanding your data sources, data integrity, labeling standards, and validation methods. This focus on ground truth is critical for reliable AI outcomes.
  • Security Built into the Design Phase: Trusted enterprise AI partners address data protection, access controls, and model security early in the design process—often recommending secure execution environments and governance measures without being prompted.
  • Strong Alignment with Business Objectives: A capable AI development company consistently connects technical decisions to business impact, ensuring models are designed to support measurable outcomes rather than theoretical performance.
  • Clear Ownership and Long-Term Support Model: Reliable partners define responsibilities for maintenance, updates, monitoring, and issue resolution upfront, demonstrating accountability beyond initial delivery.
Build Future-Ready AI Solutions with Us

Building Long-Term AI Capability Through the Right Partnership

Choosing the right AI development partner is no longer just a procurement decision—it’s a strategic pivot. By 2026, the gap between AI leaders and laggards will be defined by the quality of their technical partnerships.

At Antier, we help enterprises build robust, scalable, and ethically grounded AI solutions. Whether you are looking for custom AI development services or need an enterprise AI solutions provider to overhaul your operations, our team is ready to bridge the gap between vision and production.

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Here’s Why Bitcoin Analysts Say BTC Market Has Entered “Full Capitulation”

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Here’s Why Bitcoin Analysts Say BTC Market Has Entered "Full Capitulation"

Bitcoin (BTC) sellers resumed their activity on Thursday as the BTC price dropped below $69,000, the lowest since Nov. 6, 2024.

Analysts said that Bitcoin showed signs of “full capitulation” and a potential bottom forming, due to extreme market fear, panic selling by short-term holders and the relative strength index (RSI).

Key takeaways:

  • Short-term Bitcoin holders have sold nearly 60,000 BTC in 24 hours.

  • The Crypto Fear & Greed index shows “extreme fear,” signaling a potential bottom.

  • Bitcoin’s “most oversold” RSI points to seller exhaustion.

BTC/USD daily chart. Source: Cointelegraph/TradingView

Short-term holder capitulation deepens

Nearly 60,000 BTC, worth about $4.2 billion at current rates, held by short-term holders (STHs), or investors who have held the asset for less than 155 days, were moved to exchanges at a loss over the last 24 hours, according to data from CryptoQuant.

This was the largest exchange inflow year-to-date, which is contributing to selling pressure.

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“The correction is so severe that no BTC in profit is being moved by LTHs,” CryptoQuant analyst Darkfost said in a post on X, adding:

“This is a full capitulation.”

Cryptocurrencies, Bitcoin Price, Markets, Price Analysis, Market Analysis
BTC short-term holder losses to exchanges in 24 Hours. Source: CryptoQuant

When analyzing the volume of coins spent at a loss, Glassnode found that the 7-day SMA of realized losses has risen above $1.26 billion per day.

This reflects a “marked increase in fear,” Glassnode said, adding:

“Historically, spikes in realized losses often coincide with moments of acute seller exhaustion, where marginal sell pressure begins to fade.”

Bitcoin: Unrealized loss. Source: Glassnode

Bitcoin’s capitulation metric has also “printed its second-largest spike in two years,” occurrences that have previously coincided with accelerated de-risking and elevated volatility as market participants reset positioning,” Glassnode said.

Capitulation Metric & Current Price. Source: Glassnode

“Extreme fear” could signal market bottom

The Crypto Fear & Greed Index, which measures overall crypto market sentiment, posted an “extreme fear” score of 12 on Thursday.

These levels were last seen on July 22, a few months before the BTC price bottomed at $15,500 and then embarked on a bull run.

Cryptocurrencies, Bitcoin Price, Markets, Price Analysis, Market Analysis
Crypto fear and greed index. Source: Alternative.me

Data reveals that in all capitulation events where the index hit this extreme level, short-term weakness was common, but almost every event produced a rebound.

“We are at an ‘extreme fear’ level with a Crypto Fear and Greed Index of 11,” said analyst Davie Satoshi in an X post on Thursday, adding:

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“History has shown this is the time to buy and accumulate more!”

Crypto sentiment platform Santiment said in an X post on Thursday that the investor sentiment has “​​turned extremely bearish toward Bitcoin.”

“This remains a strong argument for a short-term relief rally as long as the small trader crowd continues to show disbelief toward cryptocurrency as a whole.”

Bitcoin: Positive/negative sentiment ratio. Source: Santiment

Bitcoin “most oversold” RSI signals seller exhaustion

CoinGlass‘ heatmap shows that BTC’s RSI is displaying oversold conditions on five out of six time frames.

Bitcoin’s RSI is now at 18 on the 12-hour chart, 20 on the daily chart and 23 on the four-hour chart. Other intervals also display oversold or near-oversold RSI values, such as 30 and 31 on the weekly and hourly time frames, respectively. 

Cryptocurrencies, Bitcoin Price, Markets, Price Analysis, Market Analysis
Crypto market RSI heatmap. Source: Coinglass

In fact, data from TradingView shows that the weekly RSI is at 29 on Thursday, the “most oversold” since the 2022 bear market, according to analysts. 

“Bitcoin is now the MOST oversold since the FTX crash,” CryptoXLARGE said in an X post on Wednesday, adding that it reflects panic selling among investors.

“Historically, this is where fear peaks and opportunity begins,” the analyst added.

Source: X/CryptoXLARGE

Bitcoin’s RSI is at the same oversold levels last seen around $16K in 2022, which marked the “last major capitulation,” phase, said analyst HodlFM in a recent post on X, adding:

“Not a timing signal by itself, but historically, this is where risk/reward favors the buyers.”