This move positions SoFi as a stablecoin infrastructure provider for banks, fintechs, and enterprise platforms. It gives partners access to faster and more efficient money movement while maintaining bank-grade oversight.
With SoFiUSD, companies can leverage SoFi’s regulated infrastructure to integrate stablecoin services and manage liquidity more effectively. They can also settle transactions around the clock with near-instant speed and minimal cost.
SoFiUSD: A Stablecoin with Bank-Grade Trust
What sets SoFiUSD apart is its regulatory strength and reserve transparency. Issued by an OCC-regulated, insured depository institution, SoFi Bank, the stablecoin is fully reserved 1:1 by cash, ensuring immediate redemption and eliminating liquidity or credit risk. This structure provides businesses confidence that the digital dollars they hold are fully backed and safe. Partners can use SoFi’s infrastructure to issue white-label stablecoins or integrate SoFiUSD into their settlement flows, creating smoother, more reliable payment processes.
The future of on-chain settlement is here. ⚡️
Today we launched SoFiUSD, a fully reserved #stablecoin issued by SoFi Bank, N.A., positioning us as a stablecoin infrastructure provider for other banks, fintechs, and enterprise platforms.
We are the first nationally chartered…
— SoFi (@SoFi) December 18, 2025
Anthony Noto, SoFi’s CEO, highlighted the broader potential of blockchain technology. He noted that beyond payments, blockchain can transform financial services, addressing issues like slow settlement and fragmented providers. SoFiUSD aims to bridge these gaps by combining the trust of a national bank with on-chain transparency. For example, a retailer processing cross-border payments can now settle transactions in SoFiUSD instantly rather than waiting days for traditional wire transfers, reducing costs and improving customer experience.
Expanding Use Cases for SoFiUSD
SoFiUSD is not limited to crypto trading. It can power 24/7 settlements for card networks, retailers, and businesses, supporting international remittances and everyday point-of-sale purchases through SoFi Pay. It also provides an alternative payment option for Galileo partners, which process billions of payments annually. In regions with volatile currencies, SoFiUSD can act as a secure, dollar-denominated asset in consumer debit or secured credit accounts, protecting value while enabling instant payments.
Congratulations to @crypto_council member @SoFi on the launch of its fully reserved stablecoin. A big milestone, and great to see real continued progress toward scalable, compliant digital financial infrastructure for banks and fintechs. https://t.co/N1DGmA27jg
— Ji Kim (@_jikim) December 18, 2025
This launch builds on SoFi’s earlier milestone as the first national bank to offer crypto trading to consumers, where members can buy, sell, and hold nearly 30 digital coins directly within the SoFi ecosystem. By introducing SoFiUSD, the company accelerates its vision of bridging traditional banking with on-chain financial technology, offering both consumers and enterprises a safer, faster, and more efficient way to move money.
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