SoFi Bank just shattered barriers in U. S. crypto banking. On November 11,2025, it relaunched cryptocurrency trading as the first nationally chartered, FDIC-insured bank to offer direct buy, sell, and hold services for consumers. Integrated seamlessly into its all-in-one app, this move lets 12.6 million users handle banking, loans, stocks, and now sofi bank crypto trading without leaving the platform. After a 2023 hiatus, SoFi’s back stronger, capitalizing on doubled digital asset ownership amid 2025’s bull run.
Picture this: log into your SoFi account, transfer fiat from your FDIC-insured checking, and snap up Bitcoin in seconds. No third-party exchanges, no KYC hurdles across apps. SoFi Crypto uses U. S. dollar stablecoins for trades, ensuring lightning-fast execution. This isn’t fintech hype; it’s regulated banking muscle meeting crypto speed. For US users eyeing sofi buy bitcoin or Ethereum dips, it’s a no-brainer entry point.
SoFi’s Crypto Relaunch: Pioneering National Chartered Bank Trading
SoFi Bank, N. A. , regulated by the Office of the Comptroller of the Currency, positions itself as the ultimate national chartered bank crypto hub. Relaunch timing? Perfect. With the GENIUS Act looming to standardize stablecoin backing, SoFi’s ahead, offering services others envy. Customers access trading via the app for SoFi’s massive user base, with full rollout targeted by year-end.
SoFi Crypto launches at a time when interest in digital assets is at an all-time high, with ownership doubling in 2025.
This resumption post-2023 suspension signals confidence. Unlike pure crypto platforms, SoFi bundles crypto with zero monthly maintenance fees on accounts. Early adopters score big: join the waitlist by November 30,2025, open a crypto account, and complete three $10 and trades by January 31,2026, for a shot at one Bitcoin. Caveat: crypto holdings aren’t FDIC or SIPC insured; they’re pure digital assets.
Supported Assets: BTC, ETH, SOL Lead the Pack
SoFi Crypto kicks off with heavy hitters: Bitcoin (BTC), Ethereum (ETH), and Solana (SOL). These form the core for diversified exposure, blending Bitcoin’s store-of-value dominance, Ethereum’s smart contract ecosystem, and Solana’s high-throughput edge. Plans call for expanding to 30 cryptocurrencies, unlocking altcoins and maybe layer-2 tokens as regulations evolve.
Trading mechanics? Buy supported assets using USD stablecoins in your SoFi Crypto Account or sell for stablecoin proceeds. Network fees for deposits? On you, but SoFi doesn’t charge extra. This curated list prioritizes liquidity and compliance, ideal for beginners scaling into sofi digital assets limits without exchange overload.
| Asset | Ticker | Key Feature | Expansion Status |
|---|---|---|---|
| Bitcoin | BTC | Digital Gold | Live |
| Ethereum | ETH | DeFi Backbone | Live |
| Solana | SOL | Fast Transactions | Live |
| Others | TBD | Up to 30 Total | Upcoming |
Fee Structure: 1% Flat and Crystal Clear
Sofi crypto fees 2025 boil down to simplicity: a flat 1% transaction fee on all buy and sell orders. Previewed on the trade review screen, no surprises. This beats many platforms’ tiered spreads or hidden markups. Note older refs to 1.25% markup? Latest docs confirm 1% flat, with SoFi executing market orders efficiently.
No account maintenance fees sweeten the deal, aligning with SoFi’s no-fee ethos. Deposits? Network gas is user-paid, but fiat transfers from SoFi banking are free. For high-frequency traders, that 1% stings less than Coinbase’s 0.5-4.5% or Robinhood’s variable spreads. Technical edge: fees support stablecoin pairing, minimizing slippage in volatile markets.
Opinion: In a sea of opaque pricing, SoFi’s transparency turbocharges trust. Pair it with app integration, and you’ve got retail crypto trading optimized for speed.
High-volume traders, take note: SoFi’s sofi digital assets limits prioritize risk management. While exact figures aren’t splashed across headlines, historical data points to a $10 minimum order size and $50,000 daily max per user. These caps prevent overexposure in volatile swings, aligning with national bank oversight. Always ping SoFi support or app settings for your personalized thresholds, as they may adjust with account tier or verification level.
Trading Limits: Smart Caps for US Retail Investors
Expect tiered restrictions: beginners start low, verified power users push higher. No public daily aggregate yet, but expect alignment with banking regs – think $100k weekly ceilings post-ramp-up. This setup crushes third-party app friction, letting you ladder buys on BTC dips without wire hassles. Technical traders appreciate the stability; no mid-trade halts from exchange overloads.
Pro tip: Link your SoFi checking for instant USD-to-stablecoin ramps. Deposits via ACH or wire hit fast, but crypto inbound carries your network gas tab. Outbound? Same deal, with SoFi’s 1% outbound fee waived on fiat ramps.
SoFi Crypto Trading Limits and Fees Summary
| Type | Limit/Fee | Details |
|---|---|---|
| Minimum Order Size | $10 | Minimum amount per buy or sell order |
| Daily Maximum | $50,000 | Maximum purchase limit per day (based on prior services) |
| Weekly Estimate | $350,000 | Estimated as 7 × daily maximum |
| Trade Fee | 1% | Flat fee on all crypto buy and sell orders |
| Deposit Fee | Network fee | User pays blockchain network fee; SoFi does not cover |
| Withdrawal Fee | Network fee | User pays blockchain network fee on crypto withdrawals |
Reg FDCI insurance covers your fiat balances up to $250k, but crypto sits outside – pure market risk. That’s the trade-off for seamless integration: bank-grade security meets crypto upside.
Getting Started: Zero Friction Onboarding
US users 18 and, with SSN and ID verification, activate in minutes via app. Waitlist closed post-November 30, but legacy members roll out now, full access by 2025 end. Steps: Update app, toggle Crypto tab, fund via bank transfer, select BTC/ETH/SOL, review 1% fee, execute. Market orders dominate for speed, with stablecoin pairing slashing latency.
- Verify identity – Instant for existing SoFi users
- Fund account – Free from SoFi banking
- Select asset – BTC, ETH, SOL live
- Trade – 1% fee previewed
- Hold or ramp – To/from stablecoins
This flow redefines sofi bank crypto trading, blending retail banking UX with pro-grade execution. No API keys, no wallets to seed – just tap and trade.
GENIUS Act chatter adds tailwinds. By mandating 1: 1 stablecoin reserves, it bolsters SoFi’s USD pairs, potentially unlocking yield-bearing stables. Watch for expansions: layer-1s like Avalanche or memecoins if compliance clears.
Stacking pros: unbeatable app unity, flat fees undercutting Coinbase tiers, chartered bank cred. Cons? Limited assets now, no advanced orders (futures/options TBD), and those caps curb whales. Versus Robinhood: SoFi edges on fiat speed, banking bundle; lags Binance. US on coin count.
Dive deeper into SoFi’s crypto edge for charts and simulations.
Early promo lingers in memory: three $10 and trades netted BTC sweepstakes entries. Missed it? Volume up anyway – BTC’s grind higher rewards consistent scalps. SoFi positions as the regulated gateway for 2025’s next leg, where national banks tame crypto’s wild frontier. Your move: app update, position BTC at support, ride the regulated wave.
Scalp smart, stack sats, stay compliant. Every tick counts in this national bank revolution.
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