SoFi
SOFI CRYPTO

Join SoFi Crypto through John and you'll earn $25 in SOFID when you make a $25 purchase.*

Why go crypto with SoFi?

  • A crypto platform with bank-level safeguards
  • Own crypto and bank, borrow, and invest—all in one app.
  • Education and in-app guidance.
  • Instant money movement from SoFi Bank to SoFi Crypto accounts.
*Terms and conditions apply. Under the Crypto Referral Program, an Eligible Crypto Referrer must access their own unique referral link and send to Eligible Crypto Recipient(s) whom they wish to refer to open a new SoFi Crypto account. To receive the bonus, eligible Crypto Recipient(s) must 1) click on the Eligible Crypto Referrer’s unique referral link 2) Successfully open a SoFi Crypto Account 3) Make a single qualifying crypto purchase of at least $25 within 30 days of enrollment and 4) meet any additional terms and conditions that may apply to the SoFi Crypto referral program. Referral bonuses apply to new SoFi Crypto account holders only.Crypto $25 bonus

Here’s how to get your $25 bonus.*

1

Apply and successfully open a SoFi Crypto account by clicking the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible)

2

Make a single qualifying crypto purchase of at least $25 within 30 days of enrollment.

Funds must be net-new and originate from the members’ choice of funding source

3

Receive a $25 SOFID Referral Bonus credited to your SoFi Crypto Account

*Terms and conditions apply. Under the Crypto Referral Program, an Eligible Crypto Referrer must access their own unique referral link and send to Eligible Crypto Recipient(s) whom they wish to refer to open a new SoFi Crypto account. To receive the bonus, eligible Crypto Recipient(s) must 1) click on the Eligible Crypto Referrer’s unique referral link 2) Successfully open a SoFi Crypto Account 3) Make a single qualifying crypto purchase of at least $25 within 30 days of enrollment and 4) meet any additional terms and conditions that may apply to the SoFi Crypto referral program. Referral bonuses apply to new SoFi Crypto account holders only.
Crypto Explore

Jump-start your crypto journey.

You’ve got a platform with the safeguards of a bank when you access crypto on SoFi.

Official Rules

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the "Referral Programs") currently offered by Social Finance, LLC ("SoFi") and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you'd like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. By clicking "Share Link" and sharing your link with your friend, you agree that you have express consent to send your friend promotional messages about SoFi's products and services. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Checking and Savings accounts, or (3) Invest products, or (4) Credit Score Monitoring. Only one referral reward and one welcome bonus per new customer, with the exception of referrals for new closed end unsecured installment loans. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions unless they are for a new closed end unsecured installment loan that your friend has not previously obtained. You will receive an additional referral bonus for the same friend funding a new personal loan, new student loan refinance or new private student loan, provided the friend applies through the specific product's referral link and has not previously obtained that type of closed end unsecured lending product. Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Referral Programs.

Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.

SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Any person referred to a SoFi loan may not have an existing registered SoFi account. Any person referred to Credit Score Monitoring or SoFi Checking or Savings may not currently have another SoFi product but may already have a registered SoFi account.

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.

Program terms—Part I

General terms and conditions—Part II

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Cryptocurrency and other digital assets are highly speculative, involve significant risk, and may result in the complete loss of value. Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Availability of specific digital assets, features, and services is subject to change and may be limited by applicable law and regulation.

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. SoFi Bank does not provide investment, tax, or legal advice. Please refer to the SoFi Crypto account agreement for additional terms and conditions.

*SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion's terms and conditions and does not constitute an offer or guarantee of access to cryptocurrency-related products or services. Cryptocurrency and other digital assets are highly speculative and involve significant risk, including the potential for complete loss of value.

SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion's terms and conditions and does not constitute an offer or guarantee of access to cryptocurrency-related products or services. Cryptocurrency and other digital assets are highly speculative and involve significant risk, including the potential for complete loss of value.

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:
September 9, 2026 at 12:00 a.m. E.T. - June 30, 2027 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. See SoFi Referral Program Official Rules and full Crypto Referral Program terms at: https://www.sofi.com/referral-program/.

ELIGIBLE CRYPTO REFERRER REQUIREMENTS:
To be eligible for a referral bonus under this Promotion, a referrer (an “Eligible Crypto Referrer”) must:

1. Share their unique referral link during the Promotion Period to the eligible recipient.
2. Have an existing SoFi Crypto account in good standing at the time of their referral bonus payment.

ELIGIBLE CRYPTO RECIPIENT REQUIREMENTS:
To be eligible for the bonus, an eligible recipient must:

1. Apply and successfully open a SoFi Crypto account prior to the end of the Promotion Period by clicking the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible)
2. Make a single qualifying crypto purchase of at least $25 within 30 days of enrollment.

For existing SoFi members, enrollment occurs when they log in using a unique referral link. For new SoFi members, enrollment occurs when the eligible recipient opens a new SoFi Crypto account through a unique referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets: (i) cryptocurrencies. Stablecoin purchases are EXCLUDED. A qualifying crypto purchase can be funded from your choice of available funding sources. Third-party fees may apply and will be shown before you confirm. Funding from SoFi Checking & Savings does not incur processing fees. See the Crypto Fee Sheet for more information.

REFERRAL BONUS:
Once the crypto referrer and the eligible crypto recipient have met all eligibility requirements all required, SoFi will credit each party a bonus with the amount determined as follows:

  • Eligible Crypto Referrer Bonus - The eligible crypto referrer will receive a referral bonus of $50 in SOFID credited into their SoFi Crypto Account.

SOFID:
SOFID is a U.S. dollar stablecoin issued by SoFi Bank, N.A., a nationally chartered U.S. bank. It is designed to enable 24/7 settlement and programmable dollar movement while operating within the U.S. banking regulatory framework.

Each SOFID is redeemable 1:1 for a U.S. dollar, with reserves held in high-quality, highly-liquid cash or cash equivalents in accordance with applicable law and the SOFID Terms of Use.

Product/Feature/Promo Drafted Terms & Conditions (Draft is done by the Product Manager/PMM):
SoFi Crypto Referral Program

  • Eligible Crypto Recipient Bonus - The eligible recipient will receive a one-time bonus of $25 in SOFID credited into their SoFi Crypto Account.

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

Eligible Crypto Referrers will not earn a referral bonus if the eligible recipient 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.

If the eligible crypto recipient does not successfully complete SoFi Crypto account opening and onboarding, or if the referred member’s SoFi Crypto Account is not successfully opened or is restricted, suspended, closed, or otherwise not in good standing at the time the bonus award would otherwise be credited, then no bonus award will be granted.

Additional Terms:
An Eligible Crypto Recipient may receive referral bonuses only once when opening their first SoFi Crypto account. After opening their account, they may then participate as an Eligible Crypto Referrer and earn referral bonuses for their qualifying referrals, subject to the terms of the Crypto Referral Program.

In no event will any Eligible Referrer be entitled to receive more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year.

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with applicable federal and state reporting requirements. Recipients are responsible for any applicable federal, state, or local taxes associated with receiving a bonus; consult with your tax advisor to determine applicable tax consequences. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or suspicious activity.

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.

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