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 STABLECOIN IS NOT FDIC INSURED • IS NOT BANK GUARANTEED • MAY LOSE VALUE

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.

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

Apple Pay™ is a trademark of Apple Inc. Google Pay™ is a trademark of Google LLC. Apple Inc. and Google LLC are not affiliated with, and do not sponsor or endorse, this offering or service. Availability of Apple Pay and Google Pay may vary by device, operating system, and eligibility requirements.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

³ The following terms and conditions govern your participation in the SoFi Crypto Referral Program (“Crypto Referral Program”) during the Promotion Period (as defined below).

PROMOTION PERIOD:
February 4, 2026 at 12:00 a.m. E.T. - December 31, 2026 at 11:59 p.m. E.T.

TERMS AND CONDITIONS:
This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

To receive the crypto referral bonus, a referrer must complete the following required activities:

(1) Share their unique referral link during the Promotion Period to the referred member.
(2)Have BOTH an existing SoFi Checking and Savings account AND an existing SoFi Crypto account at the time the referred member opens their SoFi Crypto Account.

To receive the crypto referral bonus, a referred member must complete the following required activities:

(1) Click the referrer’s unique referral link during the Promotion Period
(2) Apply and successfully open BOTH a SoFi Crypto AND a SoFi Checkings and Savings account
(3) Make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets: (i) cryptocurrencies (ii) stablecoins. A qualifying crypto purchase must be funded directly from your Sofi Checking & Savings.

REFERRAL BONUS:
Once the referrer and the referred member have completed all required activities, SoFi will:
(1) credit the referrer a one-time cash bonus of $25 into their SoFi Checking & Savings account AND (2) credit the referred member a one-time cash bonus of $25 into their SoFi Checking & Savings account.

Bonus payments will be credited to the referrer and the referred member’s respective SoFi Checking and Savings account within seven (7) business days following confirmation by SoFi that all required activities have been completed by the referrer and referred member.

Referrers will not earn a referral bonus if the referred member has previously opened a SoFi Crypto Account or does not use the unique referral link provided by the referrer to open a SoFi Crypto account during the Promotion Period.

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Crypto Referral Program. In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

OTHER IMPORTANT DETAILS:

• This offer can be combined with other SoFi Crypto promotions
• SoFi reserves the right to disqualify any participant from the referral program at its sole discretion, including but not limited to cases of actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of these terms.
• SoFi further reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend, or terminate this offer or the referral program at any time without notice.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

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