SoFi Blog

Tips and news—
for your financial moves.

Jan
02
2026

December 2025 Market Lookback

By | | Comments Off on December 2025 Market Lookback

Black Ice in the Data

If you’ve ever driven in a snowstorm, you know that it’s unnerving. Visibility is poor and the roads are slick, so you go slow and stay extra vigilant. The thing is, the heightened danger doesn’t go away once the weather improves — black ice can make driving deceptively dangerous, maybe even more so than during the storm itself.

In some ways, there’s a parallel for investors. Even though there’s a calm after the government shutdown storm, there are reasons to tread carefully.

We’re getting caught up with economic data, the Federal Reserve delivered the interest rate cut markets were looking for last month, and investors are ready to hit the ground running after the usual end-of-year lull in activity. Though some of the data we’ve gotten has looked like an economic all-clear signal, there are reasons to be careful.

This is most evident in the surprisingly low November inflation reading, which was driven by a big deceleration in housing inflation. Looking under the hood, however, shows us the headline reading was probably a headfake. It gets wonky, but it stems from the fact that Consumer Price Index data wasn’t collected in October, so the government had to carry forward prior data on some items. And because the CPI relies on rent data over a period of six months, inflation readings through April will be skewed lower too. (And for similar reasons, they could be skewed higher for a year after due to base effectsfor the six months after that.).

Illustration of Base Effects From October CPI Assumptions


 

The Price of Perfection

Despite these statistical mirages, it’s important to take stock and acknowledge the sheer magnitude of the run we’ve just witnessed. The S&P 500 has now logged three consecutive years of returns that are nearly two standard deviations above the long-term historical average.


 

While investors who’ve benefited certainly won’t complain about the gains, the market’s performance can be seen as pulling forward future returns. And with stock valuation multiples pricing in near-perfection, that leaves little buffer for the disappointment that distorted data might eventually reveal. The same goes for the high expectations attached to artificial intelligence.

History suggests that such extreme deviations rarely sustain themselves without an eventual consolidation phase. This doesn’t necessarily imply a crash. After all, we are in a bull market that has largely been driven by AI and the promises of a future radically different from the one we currently occupy — a future that is, at least for now, unfalsifiable.

Though the prudent move isn’t to chase a stock market after three years of outlier performance, a return to statistical normalcy might not be in the cards quite yet. Instead, volatility is likely to be the price of admission in 2026, as it’s been the last few years.

Market Recap

December 2025 Asset Returns


 

December 2025 Sector Total Returns


 

Macro

•  The Federal Reserve lowered the fed funds rate by 25 basis points to a target range of 3.50%-3.75%.

•  The Fed’s Summary of Economic Projections showed the median official expects higher growth, similar unemployment, and lower inflation in 2026, driven in part by higher productivity expectations.

•  The latest Employment Situation report showed 105k jobs lost in October (driven by government layoffs) and 64k jobs added in November with an unemployment rate of 4.6%, above consensus expectations.

•  Though November CPI came in well below expectations at 2.7% y/y, a big portion of this downside surprise was driven by unrealistic assumptions regarding missing October data in key areas like shelter.

•  Oil prices finished the month below $60 a barrel, the fourth such month since early 2021.

•  Powered by a supply-driven squeeze in silver prices, precious metals rose 7.8% in December.

•  The U.S. Dollar depreciated 1.1% against a basket of major currencies, the biggest decline since August.

Equities

•  The S&P 500 ended the year with a total return of 17.9%, its third straight year of above-average returns and sixth year of at least 17% returns out of the last seven (the first such occurrence since 1955).

•  Cyclical stocks outperformed defensives by 2.3 percentage points, the most since May.

•  Value stocks beat growth stocks by only 1.2 percentage points, the narrowest spread between the two since November 2024.

Fixed Income

•  Investment Grade and High Yield corporate bond spreads remained well contained, hovering between 76-80 and 264-283 basis points, respectively.

•  Beginning the month at 4.03%, the yield on a 10-year Treasury rose 14 bps to 4.17%, the first monthly increase since July.

•  The MOVE Index, a proxy for interest rate volatility, ended the year at 64.0, the lowest since October 2021.

View PDF

SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite. Information is obtained from sources and data considered to be reliable, but its accuracy and completeness is not guaranteed by SoFi.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Mario Ismailanji is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.

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Dec
31
2025

Standard High APY (New Member), $300 DD Bonus, and New Member APY Boost

By | Uncategorized | Comments Off on Standard High APY (New Member), $300 DD Bonus, and New Member APY Boost

{/* OFFER – HERO */}

{/* OFFER – Banner */}


SoFi Checkings and Savings

{/* OFFER – Description */}

Get up to $300 and 4.00% APY on savings for up to six months with eligible direct deposit.

{/* DISCLOSURE CONTENT */}

{/* INSERT DISCLOSURE’S HERE */}

*Who is eligible for a Direct Deposit Bonus?

New and existing SoFi members who have never set up direct deposit with SoFi are eligible for the Direct Deposit Bonus. Bonuses are limited to one bonus per SoFi member. In the case of a joint account, direct deposit activity will only be counted towards the primary account holder’s eligibility for the bonus (the primary account holder is the member who opened the joint account first).

How do I earn the Direct Deposit Bonus?

1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 12/31/26.

2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.

Total Eligible Direct Deposit Bonus Amount Timing
$1.00 - $999.99 $0 To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit.
$1,000.00 - $4,999.99 $50
$5,000.00 or more $300

3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.

What is an Eligible Direct Deposit?

Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”)

Not Eligible: Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.

What else is important to know?

This promotion is available between 12/7/2023 at 12:01AM ET and 12/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.

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 members with Eligible Direct Deposit activity can earn 3.30% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.

Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable. SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

This promotion is offered by SoFi Bank, N.A, Member FDIC (“SoFi”)


SoFi Bank assesses Eligible Direct Deposit or Qualifying Deposits based on a rolling 31-calendar day period and may request additional information for verification of eligibility. A rolling 31-calendar day period means that each time you receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits, a new 31-day period begins, during which you will earn the interest rates and APYs for account holders with Eligible Direct Deposit or Qualifying Deposits. If you receive another Eligible Direct Deposit or $5,000 in Qualifying Deposits during the current 31-day period, the period will reset, and a new 31-day period will begin from the date the criteria are met. You can view the end date of your current 31-day period, based on your most recent deposit activity, by visiting the APY details page within your account.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Eligible Direct Deposit or Qualifying Deposit activity before adjusting interest rates and APYs. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Eligible Direct Deposit activity or $5,000 in Qualifying Deposits within a rolling 31-day period, or did not pay the SoFi Plus Subscription Fee every 30 days, and, if applicable, the grace period, then you will begin earning the interest rates and APYs earned by members without Eligible Direct Deposit, $5,000 in Qualifying Deposits or SoFi Plus Paid Subscription.

As long as you receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 calendar days, or pay the SoFi Plus Subscription Fee every 30 calendar days, you will continue earning the interest rates and APYs earned by account holders with Eligible Direct Deposit, $5,000 in Qualifying Deposits or SoFi Plus Paid Subscription. See additional details at https://www.sofi.com/legal/banking-rate-sheet


Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility. See additional details at https://www.sofi.com/legal/banking-rate-sheet.


SoFi Plus members can earn up to 4.00% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.30% (rate current as of 12/23/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms
The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on one SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below. If you have already received this Boost on one account, you are not eligible to receive the 0.70% APY Boost on a subsequent account.

Promotion Period: August 5, 2025 at 12:00 a.m. E.T. - March 30, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?
Members who are new to SoFi Checking and Savings AND who have not previously enrolled in SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?
In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1
Open a new SoFi Checking and Savings account between 8/5/2025 and 3/30/2026;
AND
Complete one of the following activities within 60 days after opening your SoFi Checking and Savings account:
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee; OR
Receive an Eligible Direct Deposit into your SoFi Checking and Savings account;
OR
Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account;
AND pay the SoFi Plus Subscription Fee every 30 calendar days, or receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 calendar days for a period of six months.

Option 2
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 3/30/2026; AND
Open a new SoFi Checking and Savings account by 3/30/2026; AND
Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?
Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you set up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?
You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:
Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

Promotion is non-transferable and limited to one 0.70% APY Boost per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

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Open an account

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Open an account

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Dec
30
2025

By | Uncategorized | Comments Off on
{/* Crypto LP 10/28 */} {/* https://www.sofi.com/crypto/ */} {/* Hero */}

INTRODUCING

The first and only national chartered bank where retail customers can buy, sell, and hold 25+ cryptocurrencies.

Access cryptocurrencies like Bitcoin, Ethereum, and Solana—on a federally regulated platform with the safeguards of a bank. All in the same app as the rest of your finances.

Open an account

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Your chance to become a SoFi Crypto Founding Member—and win $1,000 in Bitcoin.*

    {/* Bullet 1 */}

  • Win Bitcoin.
    100 Founding Members will each win $1,000 in Bitcoin for their portfolios.

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  • Trade to win.
    Every $10 in crypto trades is another chance to win. So a $100 trade means 10 entries, a $1,000 trade means 100 entries, and so on. Enter by 1/15/26.

    • {/* Bullet 3 */}

  • Get awarded.
    Each of the 100 Founding Members wins a custom keepsake to show off their smart move—getting in on SoFi Crypto.

{/* CTA Button */}

Learn more

{/* Disclaimer / Footer */}

*NO PURCHASE OR QUALIFYING TRANSACTION NECESSARY. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes starts 12/22/25 at 9 a.m. PT and ends at 11:59 p.m. PT on 1/15/26. See Official Rules for how to enter, free entry method by mail, prize details, limits, and odds: click here. Sponsor: SoFi Bank, National Association ("SoFi Bank"), 2750 E Cottonwood Pkwy #300, Cottonwood Heights, UT 84121.

{/* How to get your $10 bonus */}

How to get your $10 bonus
with a $10 purchase by 2/7/26. 1

Open a crypto account.

Make a qualifying crypto purchase of $10 or more by 2/7/26 with funds from SoFi Checking and Savings.

Get $10 in stablecoin for more SoFi Crypto trades.

Open an account

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* How to start trading crypto with SoFi. */}

How to start trading crypto with SoFi.

You’ll need a SoFi Checking and Savings account to access crypto.

Open a crypto account.

Open a SoFi Checking and Savings account.

Fund your checking and savings account.

Access crypto on SoFi.

Open an account

{/* 1% Match Crypto - ADDED 1/14/26 DP*/}

You can start the new year strong with a 1% match on crypto buys through 3/30/262—only with SoFi Plus.

Learn more

Complimentary Plus Members with Eligible Direct Deposit or Qualifying Deposits or a $10/mo subscription are eligible for this promotion. Funds must be net-new and originate from the members' SoFi Checking and Savings account to execute crypto buys by 3/30/26.

 {/* Why go crypto at sofi */}

Why go crypto at SoFi?

{/* Buy, Sell and hold crypto RTB1*/}

Buy, sell, and hold crypto on a platform with the safeguards of a bank.

This is where crypto meets modern banking.

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{/* own crypto- and bank, borrow, invest RTB2*/}

Own crypto—and bank, borrow, invest—
all in one app.

No new apps to download or new passwords to juggle. You can keep all your money in one place where it’s simple to manage.

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{/* Make trades instantly RTB3*/}

Make trades instantly.

There’s no waiting around when you’re transferring funds through SoFi Checking and Savings—make trades the moment you’re ready.

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{/* Learn the basics RTB4 */}

Learn the basics with in-app guidance.

We’ll help you learn the ins and outs of how to buy, sell, and hold crypto
with SoFi.

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{/* A wide selection of coins RTB5*/}

A wide selection of coins.

Get access to Bitcoin, Ethereum, and Solana, plus 25+ cryptocurrencies.

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{/* Youtube video */}

Where crypto meets
modern banking.
Watch to learn more.


Learn about crypto.

{/* desktop content mod */}

What Is Cryptocurrency?

What Is Cryptocurrency?

Cryptocurrency is a digital form of money that exists entirely online and generally operates independently of a central bank or government. Crypto is designed to be decentralized, allowing peer-to-peer transactions without relying on banks or payment processors. Transaction speed depends on the network – some are near-instant, while others take more time.

Unlike traditional currencies like the U.S. dollar, crypto transactions are secured through cryptography and recorded on the blockchain. This verification ensures security and integrity without relying on a single authority. Think of it like a shared digital record book that records and verifies crypto transactions on a distributed network of computers worldwide. Its shared nature makes the system transparent and difficult to tamper with.

Since the launch of Bitcoin in 2009, thousands of cryptocurrencies have emerged – some, such as Ethereum or Solana, have specific use cases (like payments, gaming, or decentralized finance), while many remain experimental or speculative. Crypto offers a new way to think about money and value transfers based on code rather than institutions.

Although crypto began as an alternative to traditional finance, it’s increasingly moving towards the mainstream. Some banks and licensed custodians now offer crypto services under evolving regulatory frameworks.

Cryptocurrency and digital assets are not insured by the Federal Deposit Insurance Corporation (FDIC), not bank-guaranteed, and may lose value.

How Blockchain Works

How Blockchain Works

Blockchain enables cryptocurrency to operate by verifying transactions collectively across a network rather than relying on a single intermediary. Think of the blockchain as a shared digital record book that anyone on the network can view but no single participant can unilaterally change. By automatically recording and verifying transactions, it removes the need for financial institutions or payment processors though many users still interact through exchanges or custodial services.

Every time someone sends or receives crypto, for example, the details are added to this record book and shared across thousands of computers around the world. These computers work together to confirm that the information is accurate, such as verifying that the sender actually has the funds. Once verified, the transaction is grouped with others into a new block. When the block is complete, it is locked and connected to the one before it, creating a continuous chain of verified records. That’s how the blockchain got its name.

The shared nature of this record book makes altering it extremely difficult, because it would require changing a majority of copies across the network. This design makes the system secure, transparent, and able to run automatically without a central authority.

Why People Use Cryptocurrency

Why People Use Cryptocurrency

People use crypto for a variety of reasons, but a major one is control – having more direct ownership over how their money moves. And there are a number of other potential benefits, too:

  • Fast and low-cost transfers: Many cryptocurrencies make it possible to send money quickly and cheaply – especially across borders – though timing and fees can vary by network and exchange rate.
  • Accessibility: Anyone with an internet connection can use crypto, even without a traditional bank account. This makes it especially useful where banking options are limited. When you hold crypto, your balance is publicly visible on the blockchain but accessible only with your private keys. (If you use a custodial wallet, a platform manages those keys for you.)
  • Independence and control: Crypto networks don’t rely on banks or governments to operate, though access and regulation may involve them.
  • Diversification: Digital assets may represent a new, distinct category within a financial portfolio alongside bank and investment accounts, retirement savings, and tangible assets like a home or car.

How To Evaluate Different Coins

How To Evaluate Different Coins

There are thousands of cryptocurrencies, so how do you decide which one to buy? Building a framework of how to think about a crypto’s value proposition can help you make this decision.

Here three key things to keep in mind:

  1. Purpose: Do your research on what a coin was designed to do. Some focus on speed or efficiency, while others are built for specific use cases, such as gaming or digital collectibles. Bitcoin was originally designed for digital payments, for example. Knowing a coin’s purpose can help you assess whether its market performance is driven by momentary hype or longer-term demand.
  2. Credibility and supply: Anyone can create a cryptocurrency, so not all have staying power. An experienced and transparent team behind a crypto project can be an important indicator. The supply of a coin is another part of this equation: Some supplies are limited, which can affect the coin’s value in the long-term.
  3. Market behavior: Crypto prices are driven by a mix of supply, demand, and confidence, which means that the market can be volatile and move quickly in response to headlines. Hype about a specific coin can move the market significantly, making it more important to know what you’re buying and why.

Protecting Your Crypto

Protecting Your Crypto

To own digital assets, which live online in blockchain, you need a crypto wallet. But unlike the wallet in your pocket, it doesn’t actually hold coins. Instead, it’s a tool to store the keys to your crypto, unique codes that prove ownership and let you send or receive funds.

Unlike your checking and savings accounts, your crypto wallet isn’t insured by the Federal Deposit Insurance Corporation. That’s why understanding how to keep it safe is key. Some custodial platforms may offer private insurance but not FDIC protection.

There are two main types of wallets:

  • Custodial wallets: Your private keys are managed and protected by a licensed custodian like SoFi. You still own your crypto, but storage and security are handled for you in a regulated environment.
  • Self-custody wallets: You manage your private keys directly. This offers full control but also full responsibility to protect your digital assets. If your keys or recovery phrases are lost, your crypto can’t be recovered.

Good digital habits are your best defense: Use strong, unique passwords, enable two-factor authentication, and keep your devices and apps up to date. So stay alert, stay informed, and stay safe.
{/* tablet content mod */}

What Is Crypto?

What Is Cryptocurrency?

Cryptocurrency is a digital form of money that exists entirely online and generally operates independently of a central bank or government. Crypto is designed to be decentralized, allowing peer-to-peer transactions without relying on banks or payment processors. Transaction speed depends on the network – some are near-instant, while others take more time.

Unlike traditional currencies like the U.S. dollar, crypto transactions are secured through cryptography and recorded on the blockchain. This verification ensures security and integrity without relying on a single authority. Think of it like a shared digital record book that records and verifies crypto transactions on a distributed network of computers worldwide. Its shared nature makes the system transparent and difficult to tamper with.

Since the launch of Bitcoin in 2009, thousands of cryptocurrencies have emerged – some, such as Ethereum or Solana, have specific use cases (like payments, gaming, or decentralized finance), while many remain experimental or speculative. Crypto offers a new way to think about money and value transfers based on code rather than institutions.

Although crypto began as an alternative to traditional finance, it’s increasingly moving towards the mainstream. Some banks and licensed custodians now offer crypto services under evolving regulatory frameworks.

Cryptocurrency and digital assets are not insured by the Federal Deposit Insurance Corporation (FDIC), not bank-guaranteed, and may lose value.

How Blockchain Works

How Blockchain Works

Blockchain enables cryptocurrency to operate by verifying transactions collectively across a network rather than relying on a single intermediary. Think of the blockchain as a shared digital record book that anyone on the network can view but no single participant can unilaterally change. By automatically recording and verifying transactions, it removes the need for financial institutions or payment processors though many users still interact through exchanges or custodial services.

Every time someone sends or receives crypto, for example, the details are added to this record book and shared across thousands of computers around the world. These computers work together to confirm that the information is accurate, such as verifying that the sender actually has the funds. Once verified, the transaction is grouped with others into a new block. When the block is complete, it is locked and connected to the one before it, creating a continuous chain of verified records. That’s how the blockchain got its name.

The shared nature of this record book makes altering it extremely difficult, because it would require changing a majority of copies across the network. This design makes the system secure, transparent, and able to run automatically without a central authority.

Why People Use Cryptocurrency

Why People Use Cryptocurrency

People use crypto for a variety of reasons, but a major one is control – having more direct ownership over how their money moves. And there are a number of other potential benefits, too:

  • Fast and low-cost transfers: Many cryptocurrencies make it possible to send money quickly and cheaply – especially across borders – though timing and fees can vary by network and exchange rate.
  • Accessibility: Anyone with an internet connection can use crypto, even without a traditional bank account. This makes it especially useful where banking options are limited. When you hold crypto, your balance is publicly visible on the blockchain but accessible only with your private keys. (If you use a custodial wallet, a platform manages those keys for you.)
  • Independence and control: Crypto networks don’t rely on banks or governments to operate, though access and regulation may involve them.
  • Diversification: Digital assets may represent a new, distinct category within a financial portfolio alongside bank and investment accounts, retirement savings, and tangible assets like a home or car.

How To Evaluate Different Coins

How To Evaluate Different Coins

There are thousands of cryptocurrencies, so how do you decide which one to buy? Building a framework of how to think about a crypto’s value proposition can help you make this decision.

Here three key things to keep in mind:

  1. Purpose: Do your research on what a coin was designed to do. Some focus on speed or efficiency, while others are built for specific use cases, such as gaming or digital collectibles. Bitcoin was originally designed for digital payments, for example. Knowing a coin’s purpose can help you assess whether its market performance is driven by momentary hype or longer-term demand.
  2. Credibility and supply: Anyone can create a cryptocurrency, so not all have staying power. An experienced and transparent team behind a crypto project can be an important indicator. The supply of a coin is another part of this equation: Some supplies are limited, which can affect the coin’s value in the long-term.
  3. Market behavior: Crypto prices are driven by a mix of supply, demand, and confidence, which means that the market can be volatile and move quickly in response to headlines. Hype about a specific coin can move the market significantly, making it more important to know what you’re buying and why.

Protecting Your Crypto

Protecting Your Crypto

To own digital assets, which live online in blockchain, you need a crypto wallet. But unlike the wallet in your pocket, it doesn’t actually hold coins. Instead, it’s a tool to store the keys to your crypto, unique codes that prove ownership and let you send or receive funds.

Unlike your checking and savings accounts, your crypto wallet isn’t insured by the Federal Deposit Insurance Corporation. That’s why understanding how to keep it safe is key. Some custodial platforms may offer private insurance but not FDIC protection.

There are two main types of wallets:

  • Custodial wallets: Your private keys are managed and protected by a licensed custodian like SoFi. You still own your crypto, but storage and security are handled for you in a regulated environment.
  • Self-custody wallets: You manage your private keys directly. This offers full control but also full responsibility to protect your digital assets. If your keys or recovery phrases are lost, your crypto can’t be recovered.

Good digital habits are your best defense: Use strong, unique passwords, enable two-factor authentication, and keep your devices and apps up to date. So stay alert, stay informed, and stay safe.
{/* mobile content mod */}

What Is Cryptocurrency?

What Is Cryptocurrency?

Cryptocurrency is a digital form of money that exists entirely online and generally operates independently of a central bank or government. Crypto is designed to be decentralized, allowing peer-to-peer transactions without relying on banks or payment processors. Transaction speed depends on the network – some are near-instant, while others take more time.

Unlike traditional currencies like the U.S. dollar, crypto transactions are secured through cryptography and recorded on the blockchain. This verification ensures security and integrity without relying on a single authority. Think of it like a shared digital record book that records and verifies crypto transactions on a distributed network of computers worldwide. Its shared nature makes the system transparent and difficult to tamper with.

Since the launch of Bitcoin in 2009, thousands of cryptocurrencies have emerged – some, such as Ethereum or Solana, have specific use cases (like payments, gaming, or decentralized finance), while many remain experimental or speculative. Crypto offers a new way to think about money and value transfers based on code rather than institutions.

Although crypto began as an alternative to traditional finance, it’s increasingly moving towards the mainstream. Some banks and licensed custodians now offer crypto services under evolving regulatory frameworks.

Cryptocurrency and digital assets are not insured by the Federal Deposit Insurance Corporation (FDIC), not bank-guaranteed, and may lose value.

How Blockchain Works

How Blockchain Works

Blockchain enables cryptocurrency to operate by verifying transactions collectively across a network rather than relying on a single intermediary. Think of the blockchain as a shared digital record book that anyone on the network can view but no single participant can unilaterally change. By automatically recording and verifying transactions, it removes the need for financial institutions or payment processors though many users still interact through exchanges or custodial services.

Every time someone sends or receives crypto, for example, the details are added to this record book and shared across thousands of computers around the world. These computers work together to confirm that the information is accurate, such as verifying that the sender actually has the funds. Once verified, the transaction is grouped with others into a new block. When the block is complete, it is locked and connected to the one before it, creating a continuous chain of verified records. That’s how the blockchain got its name.

The shared nature of this record book makes altering it extremely difficult, because it would require changing a majority of copies across the network. This design makes the system secure, transparent, and able to run automatically without a central authority.

Why People Use Cryptocurrency

Why People Use Cryptocurrency

People use crypto for a variety of reasons, but a major one is control – having more direct ownership over how their money moves. And there are a number of other potential benefits, too:

  • Fast and low-cost transfers: Many cryptocurrencies make it possible to send money quickly and cheaply – especially across borders – though timing and fees can vary by network and exchange rate.
  • Accessibility: Anyone with an internet connection can use crypto, even without a traditional bank account. This makes it especially useful where banking options are limited. When you hold crypto, your balance is publicly visible on the blockchain but accessible only with your private keys. (If you use a custodial wallet, a platform manages those keys for you.)
  • Independence and control: Crypto networks don’t rely on banks or governments to operate, though access and regulation may involve them.
  • Diversification: Digital assets may represent a new, distinct category within a financial portfolio alongside bank and investment accounts, retirement savings, and tangible assets like a home or car.

How To Evaluate Different Coins

How To Evaluate Different Coins

There are thousands of cryptocurrencies, so how do you decide which one to buy? Building a framework of how to think about a crypto’s value proposition can help you make this decision.

Here three key things to keep in mind:

  1. Purpose: Do your research on what a coin was designed to do. Some focus on speed or efficiency, while others are built for specific use cases, such as gaming or digital collectibles. Bitcoin was originally designed for digital payments, for example. Knowing a coin’s purpose can help you assess whether its market performance is driven by momentary hype or longer-term demand.
  2. Credibility and supply: Anyone can create a cryptocurrency, so not all have staying power. An experienced and transparent team behind a crypto project can be an important indicator. The supply of a coin is another part of this equation: Some supplies are limited, which can affect the coin’s value in the long-term.
  3. Market behavior: Crypto prices are driven by a mix of supply, demand, and confidence, which means that the market can be volatile and move quickly in response to headlines. Hype about a specific coin can move the market significantly, making it more important to know what you’re buying and why.

Protecting Your Crypto

Protecting Your Crypto

To own digital assets, which live online in blockchain, you need a crypto wallet. But unlike the wallet in your pocket, it doesn’t actually hold coins. Instead, it’s a tool to store the keys to your crypto, unique codes that prove ownership and let you send or receive funds.

Unlike your checking and savings accounts, your crypto wallet isn’t insured by the Federal Deposit Insurance Corporation. That’s why understanding how to keep it safe is key. Some custodial platforms may offer private insurance but not FDIC protection.

There are two main types of wallets:

  • Custodial wallets: Your private keys are managed and protected by a licensed custodian like SoFi. You still own your crypto, but storage and security are handled for you in a regulated environment.
  • Self-custody wallets: You manage your private keys directly. This offers full control but also full responsibility to protect your digital assets. If your keys or recovery phrases are lost, your crypto can’t be recovered.

Good digital habits are your best defense: Use strong, unique passwords, enable two-factor authentication, and keep your devices and apps up to date. So stay alert, stay informed, and stay safe.
{/* FAQs Desktop / Tablet */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Why do I need a SoFi Connected Account? You need a SoFi Connected Account to unlock the full SoFi Crypto experience. Your Connected Account acts as your primary funding source to enable trading on the SoFi Crypto platform.
When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. When will my crypto transfer to my SoFi Crypto account be available? Crypto transfer times from external wallets vary by cryptocurrency. Many are near-instant, while others may take a few hours. Factors that can impact this: the specific blockchain network utilized, network congestion, transaction fees, and more.
{/* FAQs Mobile */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Why do I need a SoFi Connected Account? You need a SoFi Connected Account to unlock the full SoFi Crypto experience. Your Connected Account acts as your primary funding source to enable trading on the SoFi Crypto platform. When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. When will my crypto transfer to my SoFi Crypto account be available? Crypto transfer times from external wallets vary by cryptocurrency. Many are near-instant, while others may take a few hours. Factors that can impact this: the specific blockchain network utilized, network congestion, transaction fees, and more.
{/* Jump start your crypto journey */}

Jump-start your crypto journey.

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

Open an account

{/* Hero */}

SOFI CRYPTO

Now’s your chance to win $1,000 in Bitcoin— and be a Founding Member.*

We’re celebrating the launch of SoFi Crypto. And the more you trade,
the better your chance to win.

Start trading

*NO PURCHASE OR QUALIFYING TRANSACTION NECESSARY. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes starts 12/22/25 at 9 a.m. PT and ends at 11:59 p.m. PT on 1/15/26. See Official Rules for how to enter, free entry method by mail, prize details, limits, and odds: click here. Sponsor: SoFi Bank, National Association ("SoFi Bank"), 2750 E Cottonwood Pkwy #300, Cottonwood Heights, UT 84121.
{/* 100 winners will get 1000 Module */}

100 winners will get $1,000 in Bitcoin.

Enter for a chance to become one of 100 Founding Members who will each win $1,000 in Bitcoin for their portfolio.

Every $10 in crypto trades is another chance to win.
That means a $100 trade would give you 10 entries, a $1,000 trade would give you 100 entries, and so on. Enter by 1/15/26.

{/* Desktop CTA */}

Start trading

{/* Mobile CTA */}
Start trading

*NO PURCHASE OR QUALIFYING TRANSACTION NECESSARY. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes starts 12/22/25 at 9 a.m. PT and ends at 11:59 p.m. PT on 1/15/26. See Official Rules for how to enter, free entry method by mail, prize details, limits, and odds: click here. Sponsor: SoFi Bank, National Association ("SoFi Bank"), 2750 E Cottonwood Pkwy #300, Cottonwood Heights, UT 84121.

{/* Show off Founding Member Status */}

Show off your Founding Member status.

We’ll commemorate each of the 100 Founding Members with a custom award you can put on a shelf or share on your socials. And give you bragging rights that you were in on SoFi Crypto from the start.

{/* Desktop CTA */}

Start trading

{/* Mobile CTA */}
Start trading

*NO PURCHASE OR QUALIFYING TRANSACTION NECESSARY. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes starts 12/22/25 at 9 a.m. PT and ends at 11:59 p.m. PT on 1/15/26. See Official Rules for how to enter, free entry method by mail, prize details, limits, and odds: click here. Sponsor: SoFi Bank, National Association ("SoFi Bank"), 2750 E Cottonwood Pkwy #300, Cottonwood Heights, UT 84121.

{/* Turn to SoFi */}

Turn to SoFi to trade crypto on a platform with the safeguards of a bank.

Our bank grade regulation and custody standards now apply to crypto.

Trade over 25 coins including Bitcoin, Ethereum, and Solana.

Helpful education and in-app guidance answer questions and raise your confidence.

Bank, borrow, invest, and now trade crypto—all in one app.

Start trading

{/* Crypto $10 Promo */} {/* www.sofi.com/crypto/new-account-promo */} {/* Hero */}

SOFI CRYPTO

Jump-start your crypto journey with a $10 bonus.

Now a $10 purchase on your new SoFi Crypto account by 2/7/26
means $10 more for trading—on us.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* How to get your $10 bonus */}

How to get your $10 bonus
with a $10 purchase by 2/7/26. 1

Open a crypto account.

Make a qualifying crypto purchase of $10 or more by 2/7/26 with funds from SoFi Checking and Savings.

Get $10 in stablecoin for more SoFi Crypto trades.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* Turn to SoFi to trade crypto on a platform */}

Turn to SoFi to trade crypto on a platform
with the safeguards of a bank.

{/* Buy, Sell and hold crypto RTB1*/}

  • Instant trading.
    Trade the moment you're ready—with no waiting around.

  • Over 25 coins.
    Trade Bitcoin, Ethereum, Solana, and many more.

  • Knowledge is power.
    Helpful education and in-app guidance answer questions and raise your confidence.

  • All together now.
    Bank, borrow, invest, and now trade crypto—all in one app.

    • { (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

    Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* FAQs Desktop / Tablet */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Am I eligible for this new SoFi Crypto account promotion? New SoFi Crypto accounts opened during the promotion period are eligible for the $10 New Account Promo bonus.
When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. What is a qualifying crypto buy transaction? A qualifying crypto buy transaction is a successful transaction to buy Supported Digital Assets on platform. Qualifying crypto buy transactions exclude stablecoins. When will I receive my $10 promo bonus payout? The $10 bonus payment, in stablecoin, will be credited to your SoFi Crypto Account within 2 weeks following the conclusion of the promotion.
{/* FAQs Mobile */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Why do I need a SoFi Connected Account? You need a SoFi Connected Account to unlock the full SoFi Crypto experience. Your Connected Account acts as your primary funding source to enable trading on the SoFi Crypto platform. When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. When will my crypto transfer to my SoFi Crypto account be available? Crypto transfer times from external wallets vary by cryptocurrency. Many are near-instant, while others may take a few hours. Factors that can impact this: the specific blockchain network utilized, network congestion, transaction fees, and more.
{/* Get started with SoFi crypto now */}

Get started with SoFi Crypto now.

You could turn a $10 trade into $10 more.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* Crypto $10 Promo */} {/* www.sofi.com/crypto/new-account-promo */} {/* Hero */}

SOFI CRYPTO

Jump-start your crypto journey with a $10 bonus.

Now a $10 purchase on your new SoFi Crypto account by 2/7/26
means $10 more for trading—on us.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* How to get your $10 bonus */}

How to get your $10 bonus
with a $10 purchase by 2/7/26. 1

Open a crypto account.

Make a qualifying crypto purchase of $10 or more by 2/7/26 with funds from SoFi Checking and Savings.

Get $10 in stablecoin for more SoFi Crypto trades.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* Turn to SoFi to trade crypto on a platform */}

Turn to SoFi to trade crypto on a platform
with the safeguards of a bank.

{/* Buy, Sell and hold crypto RTB1*/}

  • Instant trading.
    Trade the moment you're ready—with no waiting around.

  • Over 25 coins.
    Trade Bitcoin, Ethereum, Solana, and many more.

  • Knowledge is power.
    Helpful education and in-app guidance answer questions and raise your confidence.

  • All together now.
    Bank, borrow, invest, and now trade crypto—all in one app.

    • { (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

    Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).

{/* FAQs Desktop / Tablet */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Am I eligible for this new SoFi Crypto account promotion? New SoFi Crypto accounts opened during the promotion period are eligible for the $10 New Account Promo bonus.
When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. What is a qualifying crypto buy transaction? A qualifying crypto buy transaction is a successful transaction to buy Supported Digital Assets on platform. Qualifying crypto buy transactions exclude stablecoins. When will I receive my $10 promo bonus payout? The $10 bonus payment, in stablecoin, will be credited to your SoFi Crypto Account within 2 weeks following the conclusion of the promotion.
{/* FAQs Mobile */}

FAQs

What is a SoFi Crypto Account? A SoFi Crypto Account enables you to use the Digital Asset Services, which include purchasing, selling, and holding Supported Digital Assets offered by SoFi Bank. How easy is it to open a SoFi Crypto Account? Opening a SoFi Crypto account is quick and easy. There are no fees to open a SoFi Crypto Account and there are no monthly maintenance fees. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity. Are my crypto assets insured ? Your SoFi Crypto Account is not a deposit account or a bank account. Cryptocurrency and other digital assets are not deposits, not insured by the Federal Deposit Insurance Corporation (FDIC), or Securities Investor Protection Corporation (SIPC), not bank-guaranteed, and may lose value. How do I purchase/trade crypto? To start trading, you must fund your account by transferring cash from a Connected SoFi Account (SoFi Checking and Savings). We then convert this cash into a stablecoin (such as USDC) to execute the trade. Please be aware that stablecoins are not issued or guaranteed by SoFi Bank or the FDIC and may lose value. Due to this structure, funding and withdrawals are restricted to your Connected SoFi Account. Why do I need a SoFi Connected Account? You need a SoFi Connected Account to unlock the full SoFi Crypto experience. Your Connected Account acts as your primary funding source to enable trading on the SoFi Crypto platform. When will my funds from my SoFi Checking and Savings Accounts be available? Transfers made from your SoFi Bank Checking and Savings Account are available instantly to begin trading! When can I trade? What time is the market closed? With SoFi Crypto, you can trade 24/7, 365. There are no market hours for the crypto market. What are SoFi Crypto Trading Fees? Trading crypto with SoFi is straightforward. We charge a flat 1% fee on all buy and sell transactions. You may notice the price you receive includes a "spread." This is simply the difference between the live market rate and the rate at which your order is executed. This spread protects you by locking in your price at the moment you order, ensuring valid transaction settlement. When will my crypto transfer to my SoFi Crypto account be available? Crypto transfer times from external wallets vary by cryptocurrency. Many are near-instant, while others may take a few hours. Factors that can impact this: the specific blockchain network utilized, network congestion, transaction fees, and more.
{/* Get started with SoFi crypto now */}

Get started with SoFi Crypto now.

You could turn a $10 trade into $10 more.

{ (window.Android || window.callbackHandler).postMessage(JSON.stringify({ name: 'onClose', value: 'onClose', actionUrl: '/crypto/trade?orderOperation=BUY/' })); }} > Start trading

Qualifying crypto buy/purchase transactions exclude stablecoins (e.g. USDC).




Read more
Dec
30
2025

SMB Marketplace Funded Loan Bonus Disclosure

By | Uncategorized | Comments Off on SMB Marketplace Funded Loan Bonus Disclosure

SMB Marketplace Funded Loan Bonus Terms

Effective as of February 3, 2026.

Receiving the bonus described above is subject to the following terms and conditions:

Ineligible Loans: Lines of Credit (LOCs) and renewal loans are not eligible for the bonus reward.

1. Eligibility Requirements:

•  Offer Notification: To be eligible for the bonus, you must have received a personalized communication from SoFi offering this specific bonus. This includes an email, in-app message, or push notification (the “Offer Notice”). The Offer Notice is intended for the recipient only and may not be transferred or forwarded to another person.

•  Eligible Loans: Loan request or application must be submitted by a person authorized to act on behalf of the company on the loan. The bonus is available only to new closed-end small business loans greater than $9,999.99 that are funded through a provider participating in SoFi’s marketplace during the Offer Period and as a result of submitting a loan request through SoFi’s marketplace.

•  State Eligibility: The bonus is available only to legal residents of the 50 United States and the District of Columbia. Void where prohibited.

2. Offer Period:

To qualify for the bonus, the eligible loan must be fully approved and funded no later than 11:59 PM PT on March 10, 2026. Loans funded after this date will not be eligible for the bonus, regardless of when the application was submitted or approved.

3. Bonus:

•  Bonus Amount: The bonus will be 0.50% of the final funded principal amount of the eligible loan starting at $50 and up to a maximum of $1,000. For illustrative purposes, if you obtain a funded loan of $20,000, you will be given a bonus of $100. The bonus amount for funded loans above $200,000 is capped at $1,000.

•  Reward Form and Delivery: The bonus will be awarded in the form of a digital Mastercard® Reward Card (“Card”) which PerfectGift.com will deliver to the email address on file with SoFi for the loan applicant.

4. General Conditions:

•  Taxes: SoFi is required to comply with applicable federal and state reporting requirements. The bonus may be reported on Form 1099-MISC or Form 1042-s as applicable. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

•  Modifications and Termination: SoFi reserves the right to modify or terminate this offer, or modify the terms and conditions, at any time without prior notice. Any changes will not affect rewards for eligible loans funded prior to the date of modification or termination.

•  Right to Refuse: SoFi reserves the right to disqualify any Recipient from participation in the Program or to refuse to award a bonus if SoFi suspects fraud, abuse, or a violation of these terms.

Digital Mastercard Reward Cards can be redeemed at every internet, mail order and telephone merchant everywhere Mastercard Debit Cards are accepted. In addition, the Cards can be added to Google WalletTM or Apple Wallet® and used everywhere that Mastercard Debit Cards are accepted. Mastercard Reward Cards are not accepted at ATMs and cannot be used to obtain cash or cash back in any purchase transaction. The funds on the Rewards Cards do not expire. The “valid thru” date indicated on the front of the Card is not an expiration date but is intended primarily to allow the Card to be used with certain internet or mail/telephone order merchants, where such information may be required. After the “valid thru” date, the available funds will be temporarily unavailable until you contact 866-353-4237 for a replacement Card with a new “valid thru” date. You will be charged a replacement Card fee of five dollars ($5.00) if you are ordering a replacement Card due to expiration in order to continue accessing unused funds. If your Card still has unused funds on it after your Card expires, you may order a new Card by calling 866-353-4237. For the full terms and conditions, see the PerfectGift.com Reward Cardholder Agreement. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Google Wallet is a trademark of Google LLC. Apple Wallet is a trademark of Apple Inc., registered in the U.S. and other countries.

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Dec
30
2025

All Star Weekend 2026 Entry Form

By | Uncategorized | Comments Off on All Star Weekend 2026 Entry Form

SOFI PLUS EXPERIENCE GIVEAWAY

Ready to hit the court?

Five lucky SoFi Plus members could win the ultimate NBA All-Star 2026 experience valued
at over $9,000*! Not a SoFi Plus member? Subscribe here.

Each winner will receive two tickets for:

Friday, Feb. 13
• The Ruffles NBA All-Star Celebrity Game at Kia Forum and Castrol Rising Stars match
at Intuit Dome

Saturday, Feb. 14
• NBA All-Star Saturday at Intuit Dome and a special SoFi Plus invite-only event for you
and a plus-one.

Sunday, Feb. 15
• U.S. vs. World Competition at Intuit Dome

Enter by January 18, 2026 for a chance to win.

Note: Flights, transportation, and hotels are not included. Tickets are nontransferable and
not resalable.

*NO PURCHASE OR SOFI PLUS MEMBERSHIP NECESSARY. A PURCHASE WILL NOT INCREASE
YOUR CHANCES OF WINNING. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited
by law. Promotion ends at 11:59 p.m. ET on 1/18/26. Subject to Official Rules, including alternate method of entry,
prize pools, prizes, limits, odds, and judging criteria: click here. Prize does not include travel. Sponsor: Social Finance
LLC (“SoFi”) 234 First Street, San Francisco, CA 94105.


All Star Weekend 2026 Entry Form

Name(Required)
I acknowledge that travel and accommodations are not included.(Required)

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Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .
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