Accounting Happen Bank Is Crushing SoFi This Year. Here’s the Reason Why It’s Still the Better Buy.By AdminBitAugust 17, 20260 Two high-growth, technology-savvy fintechs, Happen Bank (NASDAQ: HAPN), formerly known as LendingClub, and SoFi (NASDAQ: SOFI), are moving in opposite directions this year: Happen Bank is up 2.9%, while SoFi has plunged 31.5%.