SoFi Technologies, Inc. introduced its first bank‑issued stablecoin, SoFiUSD, on December 18, 2025. The digital asset is issued by SoFi Bank, N.A. and is fully backed by U.S. dollars held at the Federal Reserve, giving it a bank‑grade reserve structure that distinguishes it from many crypto‑native stablecoins.
SoFiUSD is designed to provide a low‑cost, on‑chain infrastructure for banks, fintechs, and enterprise partners. The stablecoin offers fractional‑cent pricing and near‑instant settlement that operates 24/7, allowing partners to move funds around the clock with minimal friction. In the near future, SoFi plans to make the stablecoin available to its own members, adding a new fee‑based revenue stream to the company’s product suite.
The launch comes on the heels of a strong Q3 2025 earnings report in which SoFi reported net revenue of $961.6 million, up 38% from the prior year, and GAAP net income of $139.4 million. Revenue growth was driven by a 76% increase in the Financial Services segment and a 12% rise in the Technology Platform segment, underscoring the company’s dual‑track strategy of expanding lending and monetizing its technology infrastructure. The stablecoin launch is a natural extension of this strategy, positioning SoFi to capture a share of the growing stablecoin market while leveraging its regulatory advantage as a national bank.
CEO Anthony Noto described blockchain as a “technology super cycle” that will fundamentally change finance. He emphasized that SoFi’s stablecoin is part of a broader vision to bridge traditional banking with on‑chain technology, creating a trusted, regulated platform that can serve other financial institutions and enterprise customers. Noto’s comments signal confidence in the long‑term value of the stablecoin and its potential to generate recurring fee income.
Analysts noted that the stablecoin launch, combined with SoFi’s robust financial performance, has reinforced the company’s competitive positioning. The announcement was viewed as a strategic move that could open new monetization channels and strengthen SoFi’s reputation as an innovator in the digital‑asset space. The company’s regulatory approval, enabled by the OCC’s 2025 interpretive letter, further enhances its credibility and differentiates it from non‑bank issuers.
The stablecoin launch is expected to generate fee‑based revenue by offering infrastructure to other banks, fintechs, and enterprise partners. By leveraging its existing technology platform, built in part through the acquisition of Galileo, SoFi can provide white‑label solutions or direct integrations into partner payment systems. The company’s focus on regulated, fully reserved digital assets positions it to capture a growing share of the stablecoin market while maintaining the trust and compliance standards required by institutional clients.
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