SoFi has launched cryptocurrency trading for its 7 million U.S. customers, becoming the first national bank to offer direct buying, selling, and holding of assets like Bitcoin, Ethereum, and Solana. This integration follows new regulatory clarity from the Office of the Comptroller of the Currency, enabling banks to provide crypto services securely within traditional banking platforms.
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SoFi pioneers crypto access in U.S. banking: Users can now trade major cryptocurrencies directly from FDIC-insured accounts.
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Integration with checking and savings: Funds remain interest-bearing when not in crypto trades.
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Regulatory shift in 2025: OCC guidance allows banks to offer crypto products, with tokenized assets market surpassing $8.7 billion.
Discover how SoFi’s crypto trading launch revolutionizes U.S. banking amid 2025 regulations. Buy Bitcoin, Ethereum seamlessly—explore stablecoin plans and tokenized finance trends now for smarter investing.
What is SoFi’s new crypto trading service?
SoFi crypto trading enables users to buy, sell, and hold major digital assets like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) directly through their SoFi accounts. Launched in 2025, this service marks SoFi as the first U.S. national bank to integrate cryptocurrency trading into its digital banking platform, serving over 7 million customers. It combines the security of traditional banking with the accessibility of crypto markets, allowing seamless funding from checking or savings accounts.
How does regulatory clarity enable SoFi’s crypto expansion?
New guidance from the Office of the Comptroller of the Currency (OCC) in early 2025 has explicitly permitted licensed U.S. banks to provide cryptocurrency services, resolving years of legal uncertainty that previously deterred financial institutions from entering the space. This regulatory green light allows SoFi to offer crypto trading without the compliance hurdles that plagued earlier fintech experiments. According to industry analysis from Bloomberg, over 40% of major U.S. banks are now exploring similar integrations, driven by the OCC’s framework that emphasizes risk management and customer protection.
SoFi CEO Anthony Noto highlighted this shift in a recent statement, describing the OCC approval as providing “the best license a company can have to offer crypto and blockchain services.” The policy change not only covers trading but also paves the way for advanced features like stablecoin issuance and tokenized asset management. For context, the global stablecoin market has grown to over $150 billion in circulation, with U.S. dollar-pegged tokens dominating 90% of the volume, per data from Chainalysis.
This regulatory evolution is part of a broader U.S. effort to balance innovation with oversight. The Federal Reserve and Securities and Exchange Commission have issued complementary advisories on crypto custody and disclosure requirements, ensuring banks like SoFi can operate within established financial safeguards. Experts from Deloitte note that such clarity could attract $500 billion in institutional capital to blockchain-based products by 2027.
Under this framework, SoFi’s platform emphasizes user education and security protocols, including multi-factor authentication and real-time transaction monitoring. Customers benefit from FDIC insurance on non-crypto balances up to $2 million, a feature that sets SoFi apart from pure-play exchanges. This blend of compliance and convenience positions the service as a gateway for mainstream adoption.
It’s the post we’ve all been waiting for: Early access for crypto at SoFi starts today 🙌
Be one of the first to experience a new era of personal finance by joining the waitlist before 11/30/25: pic.twitter.com/ge4PGc7Twr
— SoFi (@SoFi) November 11, 2025
Fintech firms like SoFi are leveraging this opportunity to embed blockchain technology into everyday banking. For instance, trades can be funded instantly from interest-earning accounts, and unused funds continue to accrue yields competitive with high-yield savings options. This seamless integration reduces friction for users transitioning from fiat to digital assets, potentially increasing crypto holding among retail investors by 25%, as projected in a PwD report on fintech trends.
The broader implications extend to SoFi’s lending and infrastructure arms. Plans for a U.S. dollar-pegged stablecoin could enable faster cross-border payments and collateralized loans on-chain, aligning with global standards set by the Financial Stability Board. Industry observers, including those from JPMorgan, anticipate that stablecoins will underpin 10% of international remittances by 2030, underscoring the strategic timing of SoFi’s entry.
Frequently Asked Questions
What cryptocurrencies can I trade on SoFi’s platform?
SoFi’s crypto trading service currently supports major assets including Bitcoin, Ethereum, Solana, and several others, with plans to expand the list based on market demand and regulatory approvals. Users can access these through a simple app interface, with low fees and real-time pricing to ensure transparent trading experiences.
Is SoFi’s crypto trading safe and insured?
Yes, SoFi prioritizes security with advanced encryption, regulatory compliance, and FDIC insurance on cash balances up to $2 million. While crypto holdings themselves are not insured like traditional deposits, the platform’s integration with banking safeguards provides robust protection against common risks like hacks or unauthorized access.
Key Takeaways
- Historic First in Banking: SoFi leads as the inaugural U.S. national bank offering integrated crypto trading, simplifying access for millions.
- Regulatory Boost: 2025 OCC guidance unlocks crypto services for banks, fostering innovation in tokenized assets worth billions.
- Future-Proof Features: Expect stablecoin launches and on-chain payments, enhancing lending and global transactions for users.
Conclusion
SoFi’s launch of crypto trading represents a pivotal moment in the convergence of traditional banking and digital finance, empowered by 2025’s regulatory clarity. With secure access to Bitcoin, Ethereum, and beyond, alongside stablecoin ambitions, SoFi is positioning itself at the forefront of blockchain integration. As tokenized markets expand, this development signals a more inclusive financial landscape—investors should monitor upcoming enhancements for opportunities in stablecoins and beyond.
Fintech eyes stablecoin rollout as new U.S. regulations open doors for crypto banking.
Key Highlights
- SoFi becomes the first U.S. bank to offer crypto trading directly.
- Customers can buy, sell, and hold Bitcoin, Ethereum, Solana, and more.
- The move follows new U.S. regulatory clarity allowing banks to offer crypto products.
SoFi, the U.S.-based digital bank and fintech firm, has officially launched cryptocurrency trading for its 7 million customers, marking a major step in bringing crypto closer to traditional banking. Announced today, the rollout allows users to buy, sell, and hold leading digital assets, including Bitcoin (BTC), Ethereum (ETH), and Solana (SOL), directly from SoFi accounts.
In a CNBC interview, CEO Anthony Noto called the launch a “milestone moment,” noting that SoFi is now “the first national bank in the U.S. to offer crypto trading and investing.” He added that while the product targets retail users for now, “institutional access is right around the corner.”
Regulatory clarity unlocks crypto for U.S. banks
For years, U.S. banks avoided crypto due to legal uncertainty. This changed after the Office of the Comptroller of the Currency (OCC) issued guidance in early 2025 explicitly permitting licensed banks to offer crypto services.
Noto said the decision gave SoFi “the best license a company can have to offer crypto and blockchain services.”
The fintech firm plans to integrate crypto into its broader banking ecosystem, allowing users to fund trades directly from SoFi checking or savings accounts, both FDIC-insured up to $2 million. Funds not deployed into crypto will continue earning interest, a key differentiator from traditional exchanges like Coinbase or Robinhood.
SoFi also confirmed plans to issue a U.S. dollar–pegged stablecoin and expand crypto features into its lending and infrastructure businesses. The move is expected to integrate blockchain capabilities into existing banking infrastructure, opening the door to future services like digital credit and on-chain payment networks.
Banks join the tokenization wave
SoFi’s move comes as banks race to capture a share of the growing digital asset market. Citi recently announced plans to launch institutional crypto custody by 2026, while Franklin Templeton and BlackRock are expanding into tokenized treasuries.
The total value of tokenized U.S. debt instruments now exceeds $8.7 billion, highlighting surging institutional interest in blockchain finance. This trend, fueled by regulatory clarity and demand for yield-bearing digital assets, is transforming how money moves across borders.
By integrating crypto trading into its core banking stack, SoFi’s entry reflects a broader shift as stablecoins, tokenized assets, and on-chain payments move from speculation to becoming part of mainstream financial infrastructure.
Also read: U.S. Treasury and IRS Issue Guidance for Staking in Crypto ETPs
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