SoFi ra mắt stablecoin SoFiUSD cho 15 triệu thành viên, trở thành ngân hàng Mỹ đầu tiên triển khai trên ứng dụng ngân hàng

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SoFi Technologies has made SoFiUSD available to its nearly 15 million members, becoming the first U.S. national bank to offer a bank-issued stablecoin directly inside a banking application. SoFi Launches SoFiUSD Stablecoin for 15 Million Members as First US Bank on a Banking App Key Takeaways - SoFi Bank launched SoFiUSD on May 27, 2026, making it the first U.S. national bank-issued stablecoin available on a banking app. - Nearly 15 million SoFi members can now buy, hold, and convert SoFiUSD on Ethereum and Solana, with Bullish exchange access coming soon. - SoFi plans to add FDIC-insured tokenized deposits and 24/7 cross-border transfers within weeks, expanding stablecoin utility across its full ecosystem. SoFi Opens SoFiUSD to 15 Million Users, Targets Cross-Border Transfers and Bullish Listing The San Francisco-based company announced the launch on May 27, giving members the ability to buy, sell, hold, and convert SoFiUSD within the SoFi app. The stablecoin is issued by SoFi Bank, N.A., which is regulated by the Office of the Comptroller of the Currency (OCC). SoFiUSD is designed to hold a 1:1 value against the U.S. dollar and is redeemable directly from SoFi Bank. The bank maintains liquid assets to back all outstanding SoFiUSD in circulation. “People no longer have to choose between blockchain technology and regulated banking products,” said Anthony Noto, CEO of SoFi. “With SoFiUSD, we’re giving our members a single place to buy, hold, and pay with digital assets in the same app they already use to save, spend, borrow, and invest.” SoFiUSD is live on both Ethereum and Solana, two of the largest public blockchain networks by transaction volume. SoFi said additional networks will be added over time. Members benefit from regular independent attestations conducted by a U.S.-licensed certified public accountant. The audits are intended to provide the same level of transparency members expect from a regulated banking institution. Full availability is expected by early June as users update to the latest version of the SoFi app. Today’s release is the first phase of a broader product roadmap. Within weeks, SoFi plans to introduce the ability for members to convert SoFiUSD into tokenized deposits, which would allow them to earn interest and access FDIC insurance on those funds. SoFi also plans to enable cross-border transfers using the stablecoin, allowing members to move value globally around the clock at lower costs than traditional wire transfer systems. The company confirmed a partnership with Bullish, a centralized digital asset exchange, to bring SoFiUSD to institutional traders. The listing is designed to support stable pricing and high- volume execution for professional clients. SoFiUSD carries the ticker SOFID on the blockchain. The token is not a deposit, not insured by the FDIC or SIPC, and not legal tender. The company disclosed that blockchain transactions are generally irreversible and may be subject to delays or permanent loss. SoFi operates as a financial services super app with 14.7 million members and also runs Galileo, a technology platform used by fintechs, banks, and brands across 133 million global accounts. The move positions SoFi ahead of most traditional finance (TradFi) banks in offering regulated stablecoin access at scale, at a moment when U.S. policymakers are actively debating federal stablecoin legislation.

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