In a bold move signaling renewed ambition in digital finance, SoFi Technologies is re-entering the cryptocurrency space — not just with crypto trading, but with a broader vision to integrate blockchain innovation across its financial ecosystem. After nearly two years away from the crypto market, the fintech giant has announced plans to relaunch cryptocurrency trading and introduce blockchain-powered international money transfers, both expected to go live in 2025.
This strategic shift marks more than a simple feature revival — it reflects SoFi’s intent to position itself as a leader in next-generation financial services by leveraging emerging technologies. But can crypto truly become a catalyst for SoFi stock growth?
SoFi’s Return to Crypto: What’s Changing?
SoFi isn’t just bringing back crypto trading; it’s rebuilding the offering with long-term expansion in mind. The company has outlined two major initiatives:
- Revival of crypto trading on its mobile app, a service previously discontinued in late 2023.
- Launch of blockchain-based cross-border payments, designed to enable faster, cheaper international transfers.
What makes this different from its earlier foray into crypto? This time, SoFi is planning deeper integrations. Future upgrades may include support for stablecoins, crypto-backed borrowing, and staking capabilities — features that go beyond basic trading and appeal to more advanced users.
The ultimate goal? To make the SoFi app the most comprehensive personal finance platform available — combining banking, investing, lending, and now, crypto — all in one place.
👉 Discover how integrated financial platforms are shaping the future of investing.
Why Did SoFi Leave Crypto Before?
SoFi first offered crypto trading before becoming a fully chartered bank in January 2022. Upon receiving its banking license, the company was required to suspend cryptocurrency activities due to regulatory uncertainty. The Office of the Comptroller of the Currency (OCC) imposed restrictions on nationally chartered banks engaging in crypto-related services without explicit approval.
At the time, SoFi stated that crypto trading wasn’t a material part of its business — making the shutdown a low-impact decision. Other major banks followed a similar path, avoiding direct crypto offerings due to compliance risks.
But regulatory clarity has evolved. Recent guidance from the OCC now permits chartered banks to:
- Provide crypto custody and trade execution for customers
- Hold reserves backing certain stablecoins
- Participate in stablecoin transactions for payment facilitation
This evolving framework has opened the door for SoFi — and potentially other banks — to re-enter the space with confidence.
Will Crypto Move the Needle for SOFI Stock?
While crypto trading alone may not become a major revenue driver immediately, its value lies in ecosystem enhancement. SoFi’s core strength is its ability to attract and retain members through an all-in-one financial platform. Adding crypto could boost user engagement and acquisition — especially among younger, tech-savvy demographics who prioritize digital asset access.
Even if crypto contributes only marginally to revenue, its presence might increase customer lifetime value by encouraging users to adopt additional SoFi services like personal loans, credit cards, or high-yield savings accounts.
The Real Game-Changer: Blockchain-Powered International Transfers
More impactful than trading could be SoFi’s plan to use blockchain technology for low-cost, automated international money transfers. Unlike traditional wire systems that are slow and expensive, blockchain enables near-instant settlement with minimal fees.
Crucially, users won’t need to interact with cryptocurrency directly — transactions will be initiated in U.S. dollars and converted behind the scenes. This seamless experience could attract millions of Americans who send money abroad annually. With over $90 billion sent internationally from the U.S. each year, even capturing a small share would represent significant opportunity.
And unlike standalone crypto apps, SoFi offers this feature within a trusted, regulated banking environment — giving it a competitive edge.
Customer Growth Momentum Creates Strong Foundation
SoFi’s strategy comes at an ideal time. The company added over 800,000 new members in the first quarter of 2025 alone — its highest quarterly growth ever. Its total active member base now exceeds 7 million.
This rapid expansion provides fertile ground for new features. By introducing crypto and blockchain tools now, SoFi can:
- Enhance retention among existing users
- Attract new customers seeking modern financial solutions
- Differentiate itself from competitors like Chime, Varo, and traditional banks
👉 See how next-gen financial tools are redefining user expectations.
FAQ: Your Questions About SoFi and Crypto, Answered
Q: When will SoFi relaunch crypto trading?
A: SoFi plans to reintroduce crypto trading and blockchain-based international transfers later in 2025. Exact dates have not yet been announced.
Q: Will I need to know about crypto to use SoFi’s international transfer feature?
A: No. The blockchain-powered transfer system will work entirely in U.S. dollars. Users won’t need to buy or manage cryptocurrency themselves — the technology operates behind the scenes.
Q: Can I stake crypto or earn yield on my holdings with SoFi?
A: While not available at launch, SoFi has indicated plans to introduce staking and other yield-generating features as part of its long-term crypto roadmap.
Q: Is SoFi safe for holding cryptocurrency?
A: As a regulated national bank, SoFi is expected to implement robust security measures including cold storage, insurance, and compliance protocols — though full details will be shared closer to launch.
Q: Could SoFi’s crypto move boost its stock price?
A: While crypto itself may not drive immediate profits, enhanced platform appeal could accelerate customer growth and improve investor sentiment — both positive signals for SOFI stock.
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Final Thoughts: A Strategic Step Forward
SoFi’s return to crypto isn’t just about riding the latest market wave — it’s a calculated step toward building a more powerful, future-ready financial platform. While cryptocurrency revenue may remain modest in the short term, the real win lies in increased customer engagement, competitive differentiation, and long-term ecosystem growth.
With strong membership momentum and clearer regulatory pathways, SoFi is better positioned now than ever before to integrate blockchain innovation successfully.
👉 Explore how blockchain is transforming global finance — and what it means for investors.
For investors watching SOFI stock, the question isn’t whether crypto will deliver instant returns — it’s whether these innovations will help SoFi build a more resilient, attractive platform over time. The answer appears increasingly likely to be yes.