SoFi Bank Makes History: First U.S. Chartered Bank to Launch In-App Crypto Trading

Wall Street meets blockchain—SoFi just rewrote the rulebook for traditional finance.

The digital banking disruptor now lets customers trade crypto alongside stocks and ETFs, all inside its slick mobile interface. No more juggling exchanges or transferring funds between platforms.

This move signals a tectonic shift: even FDIC-backed institutions can't ignore crypto's gravitational pull anymore. Though cynics might say they're just chasing the fees while regulators aren't looking.

One tap buys you Bitcoin exposure between checking your balance and paying rent. Mainstream adoption just got its biggest endorsement yet—from the very system crypto was built to disrupt.

Be one of the first to experience a new era of personal finance by joining the waitlist before 11/30/25: https://t.co/0nShJOBRss pic.twitter.com/ge4PGc7Twr

— SoFi (@SoFi) November 11, 2025

Starting today, customers candirectly from their existing SoFi accounts. The feature rollout will continue in stages across the coming weeks.

A First for a Nationally Chartered Bank

Unlike fintechs or brokerages, SoFi Bank operates under a, giving it federal oversight and prudential regulation. This distinction allows SoFi to legally integrate crypto trading with traditional financial services , which is a MOVE it calls a “regulatory milestone.”

The launch positions SoFi ahead of competitors like Robinhood and Revolut, blending the simplicity of a retail bank with the sophistication of a crypto trading platform.

Seamless Banking–Crypto Experience

Users can now fund crypto purchases directly from, eliminating the need to transfer money between banks and exchanges. However, SoFi emphasized that, meaning Bitcoin and other cryptocurrencies remain outside deposit protection.

To address security concerns, SoFi says it usesto safeguard user assets.

The app also includes an, providing users with guides and tutorials to understand crypto investing, risk management, and blockchain technology. SoFi aims to make digital assets more approachable for both beginners and seasoned investors.

A Strategic Comeback After 2023 Exit

This launch marks SoFi’safter the company paused its digital asset services in late 2023 to focus on banking compliance. The new rollout demonstrates that its regulatory and operational frameworks are now aligned.

The move also reflects a. Major financial institutions , including Morgan Stanley, which plans to introduce crypto trading on E*Trade by 2026 , are gradually reopening to digital assets.

SoFi CEOsaid the initiative underscores the company’s belief that blockchain technology can deliver “faster, cheaper, and more secure” financial transactions.

“Our goal is to make finance simpler, smarter, and more inclusive,” said Noto. “With SoFi Crypto, users no longer have to juggle multiple apps or platforms to manage both their money and their investments.”

If successful, SoFi’s integrated approach could become aseeking to enter the digital asset space while maintaining regulatory compliance.

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