Bitcoin Updates: SoFi Integrates Banking with Cryptocurrency, Providing Safe Trading via an FDIC-Insured Application

SoFi Technologies, Inc. (NASDAQ: SOFI) has set a new precedent as the first FDIC-insured, nationally chartered bank in the United States to introduce consumer cryptocurrency trading, representing a significant step forward in expanding its digital finance offerings. The newly launched service,

Crypto, enables users to buy, sell, and store digital currencies such as (BTC), (ETH), and (SOL) all within the same application they use for their banking, lending, and investment needs, all under regulatory compliance, according to . The phased rollout started in November 2025, with early access available through a waitlist, as reports.

Anthony Noto, CEO of SoFi, highlighted the importance of this development, saying, "Today is a milestone as we bring together banking and crypto in a single, reliable app." He pointed out that blockchain technology has the potential to transform the financial sector by making transactions more efficient, cost-effective, and secure, and that SoFi is positioning itself at the forefront of merging conventional banking with digital assets, as

notes. This offering is distinguished by its "bank-grade" security measures and regulatory oversight, setting it apart from typical crypto exchanges. Customers can buy cryptocurrencies directly from their FDIC-insured SoFi Money Checking or Savings accounts, removing the need to move funds to third-party platforms, as explains.

This launch comes amid a surge in retail interest in cryptocurrencies, with U.S. ownership rates doubling in 2025. A recent SoFi poll found that 60% of its crypto-holding members favor trading through regulated banks rather than exchanges, highlighting the appetite for compliant platforms, as

indicates. This shift is further supported by regulatory guidance from the Office of the Comptroller of the Currency (OCC), which in 2025 allowed nationally chartered banks to provide custody and execute crypto transactions, as details. SoFi resumed its crypto services after a pause in 2023, which was necessary during its transition to a national bank charter—a step required to offer integrated financial solutions, as mentions.

The market has responded favorably, with SoFi’s stock price climbing nearly 1% following the announcement. To encourage early participation, the company is running promotions, including a chance for early users to win one Bitcoin if they complete eligible trades by January 31, 2026, as

reports. Other major financial institutions, such as JPMorgan and Goldman Sachs, are also venturing into crypto services, reflecting a broader movement in traditional finance toward digital assets, as observes.

SoFi’s initiative is part of a larger trend, with more banks adopting blockchain technology. As regulations evolve and consumer interest grows, the integration of cryptocurrencies into mainstream banking is expected to accelerate, potentially transforming the financial industry in the years ahead, as

suggests.