SoFi - All-in-One Finance with Bank-Grade Crypto

Last updated March 20, 2026

SoFi is the first and only nationally chartered bank in the U.S. to offer crypto trading directly within its all-in-one finance app. With support for 27+ cryptocurrencies, bank-grade security, and seamless integration with FDIC-insured accounts, SoFi provides a reliable platform for both new and experienced crypto users.

Take control of your financial future with SoFi. Buy, sell, and hold crypto alongside your banking, investing, and lending products—all in one place. Enjoy institutional-level security, in-app education, and instant purchases using your SoFi checking or savings account.

Disclaimer: ⚠️ Crypto is a high-risk asset class. Editorial Policy. Affiliate Disclosure. Trading cryptocurrencies, including derivatives and perpetual futures, may result in the loss of all your capital. This content is provided for informational purposes only and does not constitute investment advice. Bitcoin.com may earn commissions through affiliate links at no additional cost to you. All recommendations are independently researched and reviewed in line with our Editorial Policy and Affiliate Disclosure.

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SoFi - The First National Bank Offering Crypto Trading

SoFi is a leading fintech company founded in 2011, originally focused on student loan refinancing. Over the years, SoFi has evolved into a full-service financial platform offering banking, investing, lending, and now cryptocurrency trading—all within a single app. In November 2025, SoFi made history by becoming the first and only nationally chartered consumer bank in the U.S. to offer crypto trading directly to its members.

With SoFi Crypto, members can buy, sell, and hold 27+ cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, Dogecoin (DOGE), Cardano (ADA), Chainlink (LINK), Avalanche (AVAX), and many more. The platform is designed for both first-time crypto users and experienced traders, with in-app education and guidance to help everyone navigate the crypto landscape.

One of SoFi's standout features is its seamless integration with FDIC-insured checking and savings accounts. Members can instantly purchase crypto using funds held in their SoFi accounts without needing to transfer money to an external platform. This streamlined experience, combined with bank-grade security and rigorous compliance standards, provides users with confidence and convenience.

SoFi charges a straightforward 1% fee on crypto trades with no monthly maintenance fees. The platform operates under strict regulatory oversight as a nationally chartered bank, offering institutional-level security measures that set it apart from traditional crypto exchanges. With over 13 million members and a reputation built on transparency, SoFi brings bank-level confidence to the crypto market.

Looking ahead, SoFi continues to expand its crypto offerings with plans for staking features, crypto-backed borrowing, and their own USD stablecoin (SoFiUSD). Whether you're managing your finances, investing in stocks, or exploring crypto, SoFi provides a unified platform to help you achieve your financial goals.

Perks

First and only nationally chartered bank in the U.S. offering crypto trading directly within its app
Seamless integration with FDIC-insured SoFi checking and savings accounts for instant crypto purchases
Bank-grade security with institutional-level protection and rigorous compliance standards
All-in-one financial platform combining banking, investing, lending, and crypto in a single app
In-app education and guidance to help both beginners and experienced users navigate crypto

Supported cryptocurrencies

27+

Year launched

2011

Welcome bonus

Get your money right with SoFi — all-in-one finance designed to help you earn, save, and grow smarter

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SoFi Review: Bank-Grade Crypto Trading in an All-in-One Finance App

SoFi has transformed from a student loan refinancing startup to a full-service financial platform serving over 13 million members. In 2025, SoFi made history by becoming the first nationally chartered bank to offer cryptocurrency trading directly within its consumer banking app.

Bank-Grade Security and Compliance

As a nationally chartered bank, SoFi operates under strict regulatory oversight, providing institutional-level security and rigorous compliance standards. Members can trade crypto with confidence knowing their platform meets stringent banking industry standards.

Seamless Integration with Banking

SoFi's crypto platform integrates directly with FDIC-insured checking and savings accounts. Members can instantly purchase cryptocurrencies using funds in their SoFi accounts—no external transfers required. This seamless experience simplifies the process of moving between traditional finance and crypto.

Diverse Cryptocurrency Selection

SoFi supports 27+ cryptocurrencies including Bitcoin, Ethereum, Solana, XRP, Dogecoin, Cardano, Chainlink, Avalanche, Stellar, Sui, Bitcoin Cash, Hedera, Litecoin, Shiba Inu, Uniswap, Aave, NEAR Protocol, Ethereum Classic, Polygon, Arbitrum, Cosmos, Sei, Bonk, Lido DAO, Floki, and Tezos.

Transparent and Straightforward Fees

SoFi charges a straightforward 1% fee on crypto trades with no monthly maintenance fees on accounts. This transparent pricing makes it easy for members to understand their costs.

All-in-One Financial Platform

Beyond crypto, SoFi offers banking, investing, personal loans, student loan refinancing, mortgages, and credit cards—all in one app. This integrated approach helps members manage their entire financial life in a single place.

Education and Guidance

SoFi provides in-app education and resources to help both newcomers and experienced users navigate the cryptocurrency market. This commitment to financial literacy makes crypto accessible to everyone.

Conclusion: A Solid Choice for Crypto and Beyond

SoFi brings bank-level confidence to cryptocurrency trading. With its unique position as the first nationally chartered bank to offer crypto, seamless banking integration, and wide-ranging financial services, SoFi is an ideal platform for those looking to explore crypto within a secure, all-in-one financial ecosystem.

About the Author

Byron Chad

A seasoned innovator in the gaming and tech world, with nearly two decades of hands-on experience bridging the gap between emerging technologies and interactive entertainment. Since 2006, he has been at the forefront of industry evolution - from early online gaming ecosystems to today's cutting-edge game development tools, streaming platforms, and Web3 integrations.