# BeaverCheck Audit Report — https://sofi.com **Date:** April 22, 2026 **URL:** https://sofi.com **Overall Grade:** C (73/100) **Report:** https://beavercheck.com/results/3b50523a-c933-48a7-8c38-c25434d0cbdc ## Top Findings 1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers 2. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy 3. **[WARNING]** is missing width/height — may cause layout shift — Performance > Image Optimization 4. **[WARNING]** 97 third-party resources (100% of weight) — Performance > Page Weight Inventory 5. **[WARNING]** Cookie '__cf_bm' has no SameSite attribute — Security > Cookie Security --- ## Lighthouse Scores | Category | Score | |----------|-------| | Performance | 34 | | Accessibility | 81 | | Best Practices | 77 | | SEO | 85 | --- ## Security ### Security Headers (A — 85/100) *9 of 10 headers properly configured* - **[PASS]** Strict-Transport-Security is properly configured (consider adding preload) - **[PASS]** X-Content-Type-Options is properly configured - **[PASS]** X-Frame-Options is properly configured - **[PASS]** Referrer-Policy is properly configured - **[PASS]** Permissions-Policy is set - **[CRITICAL]** Content-Security-Policy header is missing — CSP is the most important header for preventing XSS attacks. See the CSP section for detailed analysis. - **[PASS]** Cross-Origin-Opener-Policy is properly configured - **[PASS]** Cross-Origin-Embedder-Policy is set - **[PASS]** X-Powered-By header is not present - **[PASS]** Server header is present without version info ### Content Security Policy (F — 0/100) *No enforcing CSP policy found* - **[CRITICAL]** No Content-Security-Policy header found — CSP is the most effective defense against XSS attacks. Add a Content-Security-Policy header to restrict resource loading. ### TLS & Certificates (A+ — 100/100) *TLS 1.3, 7 checks passed* - **[PASS]** TLS 1.3 is used - **[PASS]** Strong cipher suite is used - **[INFO]** HTTP/2 is not negotiated — HTTP/2 provides multiplexing and header compression for better performance. - **[PASS]** Certificate is valid (expires in 229 days) - **[PASS]** Certificate chain has 3 certificates - **[PASS]** Certificate uses modern signature algorithm - **[PASS]** Certificate covers 2 domain(s) - **[PASS]** Certificate is issued by a trusted CA ### Cookie Security (A+ — 95/100) *1 cookies analyzed, 2 checks passed* - **[PASS]** Cookie '__cf_bm' has the Secure flag - **[PASS]** Cookie '__cf_bm' has the HttpOnly flag - **[WARNING]** Cookie '__cf_bm' has no SameSite attribute — Without an explicit SameSite attribute, browser default behavior varies. Set SameSite=Lax or Strict. --- ## Advanced Security ### Subresource Integrity (C — 60/100) *1 of 2 external resources have SRI* - **[WARNING]** External script from challenges.cloudflare.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[PASS]** script from static.cloudflareinsights.com has SRI protection ### JS Library Vulnerabilities (A+ — 100/100) *No known vulnerabilities* - **[PASS]** No known JavaScript library vulnerabilities detected ### Information Leakage (A+ — 100/100) *No exposures* - **[INFO]** No security.txt found — Consider adding a security.txt at /.well-known/security.txt. - **[PASS]** No sensitive files exposed ### Email Security (A+ — 100/100) *DMARC: reject* - **[PASS]** DMARC policy is reject — strongest protection ### Permissions-Policy (A+ — 100/100) *18 directives, 0 missing* - **[PASS]** accelerometer=() — blocked for all origins - **[PASS]** browsing-topics=() — blocked for all origins - **[PASS]** camera=() — blocked for all origins - **[PASS]** clipboard-read=() — blocked for all origins - **[PASS]** clipboard-write=() — blocked for all origins - **[PASS]** geolocation=() — blocked for all origins - **[PASS]** gyroscope=() — blocked for all origins - **[PASS]** hid=() — blocked for all origins - **[PASS]** interest-cohort=() — blocked for all origins - **[PASS]** magnetometer=() — blocked for all origins - **[PASS]** microphone=() — blocked for all origins - **[PASS]** payment=() — blocked for all origins - **[PASS]** publickey-credentials-get=() — blocked for all origins - **[PASS]** screen-wake-lock=() — blocked for all origins - **[PASS]** serial=() — blocked for all origins - **[PASS]** sync-xhr=() — blocked for all origins - **[PASS]** usb=() — blocked for all origins - **[INFO]** xr-spatial-tracking=(self) ### CORS Configuration (B — 80/100) *No CORS headers* - **[PASS]** No CORS headers present — secure default --- ## Performance ### Page Weight Budget (F — 15/100) *3.4 MB transferred, 99 requests* - **[WARNING]** Page weighs 7.7 MB (3.4 MB transferred) - **[WARNING]** JavaScript is 1.4 MB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts. - **[INFO]** Fonts are 551 KB — consider subsetting or using system fonts — Subset fonts to include only used characters, or switch to system font stacks. - **[INFO]** 99 HTTP requests - **[INFO]** Estimated 0.71 g CO2 per page load ### Third-Party Impact (D — 50/100) *100% third-party, 0 ms blocking* - **[WARNING]** Third-party code accounts for 100% of page weight (3.4 MiB of 3.4 MiB) - **[PASS]** Third-party blocking time is low (0 ms) ### Text Compression (A+ — 100/100) *All text resources are compressed* - **[PASS]** All text resources are compressed ### Image Optimization (C — 65/100) *33 images, 0 KB saveable* - **[WARNING]** https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-conten... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. - **[WARNING]** is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. ### JS Execution Cost (F — 20/100) *10779ms total JS execution* - **[WARNING]** https://wsv3cdn.audioeye.com/static-scripts/m/audi...: 5114ms CPU time - **[WARNING]** https://www.sofi.com/: 1532ms CPU time - **[WARNING]** https://wsv3cdn.audioeye.com/static-scripts/v2/202...: 1230ms CPU time - **[WARNING]** Unattributable: 786ms CPU time - **[WARNING]** https://www.datadoghq-browser-agent.com/us1/v6/dat...: 633ms CPU time - **[WARNING]** Third-party scripts: 10779ms (100% of total) ### Font Loading (A+ — 100/100) *7 fonts (551 KB)* - **[INFO]** 7 font(s) use font-display: swap (FOUT risk but functional) ### JS Bundles (F — 20/100) *33 scripts, 767 KB unused* - **[WARNING]** https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp...: 329 KB unused (98%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://www.googletagmanager.com/gtm.js?id=GTM-WLS...: 82 KB unused (40%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://wsv3cdn.audioeye.com/static-scripts/v2/202...: 65 KB unused (52%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://www.googletagmanager.com/gtag/js?id=DC-637...: 63 KB unused (48%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp...: 46 KB unused (53%) — Consider code splitting or tree shaking to reduce unused code. - **[INFO]** Total unused JavaScript: 767 KB ### Resource Caching (A+ — 100/100) *All resources properly cached* - **[PASS]** No caching issues found ### Critical Rendering Path (A+ — 100/100) *No render-blocking resources* - **[PASS]** No render-blocking resources detected ### Resource Hints (A+ — 100/100) *No optimization needed* - **[PASS]** No resource hint issues ### Page Weight Inventory (F — 30/100) *99 resources · 3.4 MB · 767 KB savings available* - **[WARNING]** Page weight 2.4 MB over 1MB target - **[INFO]** ~767 KB of savings available - **[WARNING]** 97 third-party resources (100% of weight) - **[INFO]** 5 resources over 200KB ### Render-Blocking Resources (A+ — 100/100) *No render-blocking resources detected* - **[PASS]** No render-blocking resources detected in ### Third-Party Resources (A+ — 100/100) *No third-party resources detected* --- ## Content Quality ### Links (A+ — 100/100) *3 links checked, 3 healthy, 0 broken* - **[PASS]** 3 of 3 links are healthy ### Mixed Content (A+ — 100/100) *No mixed content detected — all resources use HTTPS.* - **[PASS]** No mixed content detected — all resources use HTTPS ### Open Graph (F — 0/100) *No Open Graph tags found — social sharing previews will be generic.* - **[WARNING]** No Open Graph meta tags found — Without og:title, og:description, and og:image, social media platforms will generate a generic preview when your page is shared. ### Structured Data (C — 40/100) *No structured data (JSON-LD) found.* - **[INFO]** No structured data (JSON-LD) found — Adding structured data helps search engines understand your content and can enable rich results. --- ## Infrastructure ### DNS Records (A+ — 100/100) *2 A records, 64 ms lookup* - **[PASS]** Resolves to 2 IPv4 address(es) - **[INFO]** No IPv6 (AAAA) records - **[PASS]** 2 nameserver(s) configured - **[PASS]** 2 mail exchanger(s) configured - **[INFO]** CAA records not checked — CAA record lookup requires a specialized DNS resolver. This check will be available in a future update. - **[PASS]** SPF record present in TXT - **[PASS]** DNS resolution time: 64 ms ### Redirect Chain (A+ — 100/100) *0 redirect(s), 100 ms total* ### IPv6 Readiness (C — 60/100) *No IPv6 support* - **[INFO]** No IPv6 (AAAA) records found — IPv6 support is increasingly important for global accessibility. About 40% of internet users have IPv6 connectivity. ### Crawlability (A — 85/100) *robots.txt present, no sitemap* - **[PASS]** robots.txt is present - **[INFO]** No sitemap.xml found — A sitemap helps search engines discover and index your pages more efficiently. - **[PASS]** robots.txt references sitemap ### URL Variants (A+ — 100/100) *www/non-www, trailing slash, HTTP→HTTPS* - **[PASS]** HTTP correctly 301-redirects to HTTPS ### Domain Intelligence (A+ — 100/100) *sofi.com — via GoDaddy.com, LLC, 28 years, 8 months old, hosted on Cloudflare* - **[PASS]** Domain registered until Dec 29, 2026 (8 months remaining) - **[INFO]** DNSSEC is not enabled — DNSSEC protects against DNS spoofing attacks. While not required, enabling DNSSEC adds an additional layer of security. Contact your DNS provider to enable it. - **[PASS]** Registrar: GoDaddy.com, LLC - **[WARNING]** Registrar lock is NOT enabled — The domain can be transferred without an unlock step. Enable registrar lock (clientTransferProhibited) in your registrar's control panel to protect against unauthorized or accidental transfers. - **[PASS]** Hosting: Cloudflare --- ## Compliance ### WCAG Compliance (A+ — 100/100) *No testable criteria* ### Cookie Consent & Privacy (B — 80/100) *No consent signals detected* - **[WARNING]** No privacy policy link detected — A privacy policy page is recommended for transparency and may be legally required. - **[INFO]** No terms of service link detected - **[INFO]** No cookie consent banner detected - **[PASS]** 1 cookie(s) set on initial load (functional) - **[INFO]** This is an automated check, not legal advice — BeaverCheck detects technical indicators of consent management. This does not constitute a legal compliance assessment. Consult a privacy professional for GDPR/CCPA compliance. ### Language & i18n (A — 90/100) *Lang attribute present* - **[PASS]** attribute is present - **[PASS]** value is valid - **[INFO]** No Content-Language HTTP header - **[INFO]** Language signals are inconsistent — The attribute and Content-Language header should agree. ### Readability & Typography (A+ — 100/100) *Font sizes and tap targets checked* ### Viewport Configuration (A+ — 100/100) *Viewport properly configured* - **[PASS]** Viewport meta tag is present - **[PASS]** width=device-width is set - **[PASS]** User zooming is allowed ### Third-Party Trackers (C — 55/100) *5 trackers detected* - **[INFO]** 5 third-party trackers detected — Found 5 analytics, 0 advertising, 0 marketing, 0 tag manager trackers. - **[WARNING]** Trackers detected but no cookie policy found — This page loads 5 trackers but no cookie policy was detected. GDPR requires disclosure when using tracking cookies. - **[WARNING]** Trackers detected but no privacy policy found — Most data protection regulations require a privacy policy when collecting user data via trackers. ### Cookie & Tracker Inventory (A+ — 100/100) *1 cookies · 5 trackers · 0 pre-consent* - **[INFO]** 5 third-party tracker(s) detected on page --- ## Legal ### Legal Page Ecosystem (F — 0/100) *0 of 7 expected legal pages detected* - **[WARNING]** Privacy Policy not detected — No link matching common Privacy Policy URL patterns or link text was found. Most websites are expected to have a Privacy Policy, especially those collecting user data. - **[WARNING]** Terms of Service not detected — No link matching common Terms of Service URL patterns or link text was found. Most websites are expected to have a Terms of Service, especially those collecting user data. - **[INFO]** Cookie Policy not detected — No link matching common Cookie Policy URL patterns or link text was found. Most websites are expected to have a Cookie Policy, especially those collecting user data. - **[INFO]** Accessibility Statement not detected — No link matching common Accessibility Statement URL patterns or link text was found. Most websites are expected to have a Accessibility Statement, especially those collecting user data. - **[INFO]** DMCA / Copyright Notice not detected — No link matching common DMCA / Copyright Notice URL patterns or link text was found. Most websites are expected to have a DMCA / Copyright Notice, especially those collecting user data. - **[INFO]** Refund / Returns Policy not detected — No link matching common Refund / Returns Policy URL patterns or link text was found. Most websites are expected to have a Refund / Returns Policy, especially those collecting user data. - **[INFO]** Acceptable Use Policy not detected — No link matching common Acceptable Use Policy URL patterns or link text was found. Most websites are expected to have a Acceptable Use Policy, especially those collecting user data. ### Copyright Notice (B — 80/100) *© 2025 Social Finance* - **[INFO]** Copyright year is 2025 (1 year(s) behind) — Copyright year is 2025 — 1 year(s) behind. While copyright protection doesn't depend on the year being current, an outdated notice may suggest the site is not actively maintained. Update to © 2026 or use a range like © 2025–2026. - **[PASS]** Copyright holder: Social Finance ### Regulatory Indicators *0 regulatory indicator(s) detected* - **[INFO]** This is a technical scan, not a legal assessment — BeaverCheck detects technical indicators that may suggest regulatory relevance. This is not a compliance audit and should not be relied upon for legal decisions. Consult qualified legal counsel for compliance assessments. - **[INFO]** No specific regulatory indicators detected — No strong signals for GDPR, CCPA, ADA, PCI, HIPAA, or COPPA were found. This does not mean these regulations don't apply — it means we didn't detect common technical indicators. ### Third-Party Data Sharing *1 third-party service(s) detected* - **[INFO]** Data inventory for transparency purposes — This inventory identifies third-party services that receive data from your site visitors. Under regulations like GDPR (Article 30), maintaining records of data processing activities is commonly considered a best practice. This automated scan provides a starting point — it may not capture all data flows. - **[INFO]** 1 third-party services across 1 categories — 1 third-party services detected across 1 categories: CDN (1). Each of these services receives some user data from your site visitors. - **[INFO]** Cloudflare (CDN) — Detected via script URL. Typically collects: IP address (transient), Request metadata. Privacy policy: https://www.cloudflare.com/privacypolicy/. Data Processing Agreement available. ### Compliance Badges (C — 55/100) *0 compliance badge(s) detected* - **[INFO]** No compliance badges detected — No recognized compliance certification badges or seals were found. This is common — many sites do not display compliance badges. --- ## Availability ### CDN & Delivery (B — 80/100) *Cloudflare* - **[PASS]** Site is served via Cloudflare CDN (edge: CDG) ### HTTP Caching (F — 30/100) *No cache headers* - **[WARNING]** No Cache-Control header found — Browsers will use heuristic caching, which can be unpredictable. Set explicit cache headers. ### Transport Security (A — 90/100) *HTTP/3, HSTS, and TLS version analysis* - **[INFO]** HTTP/3 (QUIC) not advertised — HTTP/3 eliminates head-of-line blocking. If your CDN supports it, consider enabling it. - **[PASS]** HSTS enabled (includeSubDomains) - **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT) --- ## Accessibility ### Landmark Structure (C — 65/100) *4 landmarks* - **[PASS]**
landmark present - **[WARNING]** Multiple
landmarks (2 found) — A page should have only one
landmark. - **[WARNING]** No