SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency.

Crypto and other digital assets are not bank deposits, involve risk and are not insured by FDIC or SIPC, and may lose value unless otherwise stated. Blockchain transactions are generally final and irreversible once submitted.

Please refer to the SoFi Crypto Account Agreement for additional terms and conditions.

SOFID (SOFIUSD) is a payment stablecoin designed to maintain a stable value relative to the U.S. dollar and made available through SoFi Bank, N.A., a U.S. national bank regulated by the Office of the Comptroller of the Currency.

SOFID is not a deposit, is not insured by FDIC or SIPC, and is not legal tender. SOFID is intended to be backed 1:1 by reserves consisting primarily of cash and cash-equivalent assets. However, holding or transacting in SOFID involves risks and may be subject to delays, disruptions, or permanent loss.

SOFID may be used for digital payment transactions on supported blockchain networks, including certain 24/7 transfer functionality. Blockchain transactions are generally final and irreversible.

Please review the SOFID Terms of Use and SOFID Risk Disclosure carefully before acquiring or using SOFID.

*The following terms and conditions govern your participation in the SoFi Crypto $300 Transfer Promo during the Promotion Period (as defined below).

PROMOTION PERIOD:

The Promotion runs from October 1, 2026, at 12:00 a.m. ET through October 14, 2027 at 11:59 p.m. ET and is divided into two phases. To be eligible for this Promotion, you must participate in the Transfer Phase and maintain the transferred digital assets through the Holding Phase.

Active Promo Period (Transfer Window): October 1, 2026 (12:00 a.m. ET) – October 14, 2026 (11:59 p.m. ET).

Required Holding Period (Holding Window): October 15, 2026 (12:00 a.m. ET) – October 14, 2027 (11:59 p.m. ET).

SoFi’s internal systems clock will be used to determine whether a Qualifying Transfer was received within the Promotion Period. Transfers received outside the Promotion Period, or transactions that are initiated but not confirmed within the Promotion Period, will not be eligible for the Promotion.

ELIGIBILITY:

This Promotion is open to eligible participants who at the time of their Qualifying Transfer(s)

• (i) are registered SoFi Crypto account holders — including both new and existing members,
• (ii) maintain an active, verified SoFi Crypto account in good standing,
• (iii) are residents of the United States in a state or territory where this Promotion is available (each, an Eligible Participant).

Employees of Social Finance, LLC (“SoFi”), its subsidiaries, and affiliates are not eligible.

QUALIFYING ACTIONS

To qualify and receive the $300 Transfer Promotion, an “Eligible Participant” must complete a single and/or multiple Qualifying Transfer(s) that aggregate to $1,000 or more in digital assets during the Transfer Window period. The transferred digital asset(s) must be supported by the SoFi Crypto platform.

1. A “Qualifying Transfer” means: a transfer-in of crypto assets, to SoFi Crypto, from an external wallet or exchange measured at the time each transfer is confirmed as received, of $1,000 or more in the aggregate during the Transfer Window.
2. The Eligible Participant must not voluntarily withdraw their principal of transferred crypto assets during the required holding period ending on October 14, 2027. Any voluntary withdrawal of principal during this period will result in forfeiture of the $300 SOFID bonus. See Forfeiture and Clawback below.

SUPPORTED DIGITAL ASSETS

The Qualifying Transfer(s) must be denominated in one or more of the following digital assets that SoFi Crypto currently supports for deposit on the SoFi Crypto platform: AAVE, BONK, BTC, ETH, FLOKI, LDO, LINK, LTC, POL, SHIB, SOL, SOFID, UNI, USDC, XLM, and XRP.

Digital assets NOT LISTED above are not supported for deposit and cannot be transferred to a SoFi Crypto account and/or do NOT count towards the Qualifying Transfer requirement. SoFi reserves the right to add, remove, or otherwise modify the list of supported digital assets at any time, in its sole discretion, without notice.

EXAMPLES

● Standard Crypto Transfer and Hold

SoFi Crypto Member transfers $1,000 or more in supported digital assets during the Transfer Window and holds the digital assets on platform through October 14, 2027.

Member Eligible to receive $300 Bonus credited in SOFID

● Cash/Digital Asset Withdrawal

SoFi Crypto Member transfers $1,000 or more in supported digital assets during the Transfer Window and withdraws $500 (digital asset withdrawal or digital asset sale and cash withdrawal) before October 14, 2027.

Member is NO LONGER eligible to receive $300 Bonus credited in SOFID

● Trading/Rebalancing Portfolio

SoFi Crypto Member transfers $1,000 or more in supported digital assets during the Transfer Window. Later, sells $500 of BTC to buy ETH. No withdrawals made and digital assets held on platform through October 14, 2027.

Member Eligible to receive $300 Bonus credited in SOFID

● Market Value Changes

SoFi Crypto Member transfers $1,000 or more in supported digital assets during the Transfer Window. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through October 14, 2027.

Member Eligible to receive $300 Bonus credited in SOFIUSD

PAYOUT METHOD & TIMING:

Eligible Participants who satisfy all the requirements will receive a one-time $300 bonus credited in SOFID to the Eligible Participant’s SoFi Crypto account within 15 – 20 business days following the end of the Required Holding Window in or around November 8th, 2027.

Limit one (1) bonus per SoFi Crypto account.

SOFID (SOFIUSD) is a payment stablecoin designed to maintain a stable value relative to the U.S. dollar and made available through SoFi Bank, N.A., a U.S. national bank regulated by the Office of the Comptroller of the Currency.

SOFID is not a deposit, is not insured by FDIC or SIPC, and is not legal tender. SOFID is intended to be redeemable 1:1 for US dollars, with reserves consisting primarily of cash. However, holding or transacting in SOFID involves risks and may be subject to delays, disruptions, or permanent loss.

SOFID may be used for digital payment transactions on supported blockchain networks, including certain 24/7 transfer functionality. Blockchain transactions are generally final and irreversible.

FORFEITURE AND CLAWBACK:

Voluntary withdrawal of any portion of the principal balance of crypto assets transferred in, prior to the end of the Required Holding Window, October 15, 2026 (12:00 a.m. ET) – October 14, 2027 (11:59 p.m. ET), results in forfeiture of the $300 SOFID transfer bonus. If a bonus has already been credited, SoFi reserves the right to recoup and claw back the full bonus amount.

STACKABILITY:

This $300 Transfer Promotion may be combined with other eligible SoFi promotions unless the other offer’s terms expressly prohibit combination.

ADDITIONAL IMPORTANT TERMS:

Participation constitutes acceptance of the Official Rules.

• Crypto Volatility Risk. Cryptocurrency is subject to significant price volatility. SoFi does not guarantee any return.
• Tax Considerations: The $300 Bonus may be considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC.
• Promotion is non-transferable and limited to one per account.
• SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
• SoFi reserves the right to modify, suspend, or terminate this promotion at any time without notice.

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