Is SoFi a bank or neobank?

Asked "Is SoFi a bank or neobank?", Gemini, Google AI Mode and Perplexity named 1 distinct name across 15 answers on August 22, 2026, and 1 of them in two or more answers.

Measured acrossGeminiGoogle AI ModePerplexity

1 of 1 names confirmed · named in 2 or more of 15 answers · asked August 22, 2026 · 3 engines

SoFi is a bank, specifically a chartered national bank, and not just a neobank. It operates as SoFi Bank, N.A. and has direct FDIC membership and deposit insurance up to $250,000 per depositor. SoFi started as a fintech company but acquired a national bank charter in 2022, allowing it to hold deposits and lend money independently.

1SoFinamed in 15 of 15 answers

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The position each of the 3 engines gave all 1 names.
How many of the 15 answers named each of them.
4 sampled observations behind this ranking, and where the engines disagree.
Fan-out — the query each engine actually searched.
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