Could Crypto Take SoFi Stock to the Next Level?

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After nearly two years away from the cryptocurrency space, financial technology platform SoFi is making a bold return — and this time, it’s aiming bigger than ever. The company has recently announced two major initiatives that signal a renewed commitment to integrating crypto and blockchain into its core offerings. These developments could not only reshape SoFi’s product ecosystem but also influence investor sentiment around its stock performance in 2025 and beyond.

SoFi Reenters the Crypto Arena

SoFi has officially confirmed the relaunch of cryptocurrency trading on its app — a feature it previously offered before discontinuing in late 2023. This move marks a strategic pivot back into digital assets, reflecting shifting regulatory clarity and growing consumer demand.

But that’s not all. In a more transformative step, SoFi plans to leverage blockchain technology to enable fast, low-cost international money transfers. According to the company, this is just “the first of many planned crypto and blockchain innovations” across its suite of financial services. Both features are expected to roll out later in 2025.

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The international transfer functionality aims to disrupt traditional cross-border payment systems by offering users a seamless, automated alternative with significantly reduced fees. Unlike conventional wire transfers that can take days and incur high costs, SoFi’s blockchain-powered solution intends to settle transactions almost instantly — all initiated in U.S. dollars, making it accessible even to users unfamiliar with crypto.

As for crypto trading, SoFi’s long-term vision includes expanding support beyond basic buying and selling. Future enhancements may include:

These additions would position SoFi as a one-stop financial hub — combining banking, investing, borrowing, and now, crypto — all within a single app.

A Strategic Shift Rooted in Regulatory Clarity

This isn’t SoFi’s first foray into cryptocurrency. The company previously offered crypto trading but paused those services after obtaining a national bank charter in January 2022. At the time, regulatory uncertainty surrounding banks’ involvement in crypto activities made such offerings risky without explicit approval.

Specifically, the Office of the Comptroller of the Currency (OCC) required chartered banks to avoid crypto-related operations unless explicitly authorized. This caution was shared across the industry, which is why most major banks have stayed out of direct crypto trading platforms.

However, recent guidance from the OCC has clarified that nationally chartered banks can now:

This evolving regulatory landscape has given SoFi the green light to re-enter the space — and do so with greater confidence and compliance.

Will Crypto Move the Needle for SoFi Stock?

While crypto may seem like a high-growth opportunity, it’s important to assess its real impact on SoFi’s business model and revenue potential.

Back in 2023, when SoFi discontinued its initial crypto offering, the company stated that cryptocurrency trading was not a material contributor to its overall revenue. That remains a crucial context point: even with renewed interest, crypto trading alone is unlikely to become a primary revenue driver in the near term.

Revenue from crypto trading typically comes from either:

Given current market dynamics and competition from dedicated platforms like Coinbase or Binance, SoFi will need to offer compelling value — such as lower fees or integrated financial benefits — to attract active traders.

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However, the strategic value of adding crypto goes beyond direct profits. By reintroducing crypto trading, SoFi enhances its appeal to a younger, tech-savvy demographic increasingly interested in digital assets. These users may initially join for crypto access but stay for SoFi’s broader financial services — including personal loans, student loan refinancing, checking and savings accounts, and investment products.

In essence, crypto becomes a customer acquisition tool, potentially increasing user engagement and lifetime value across the platform.

The Real Game-Changer: Blockchain-Powered International Transfers

While crypto trading grabs headlines, SoFi’s blockchain-enabled international money transfer feature could be the true differentiator.

Each year, over $90 billion is sent internationally from the U.S., much of it through expensive and slow traditional channels. Services like Western Union or SWIFT-based bank transfers often charge high fees and take multiple business days to settle.

SoFi’s new system aims to change that by using blockchain technology to facilitate near-instant transfers at a fraction of the cost — all while allowing users to send money in U.S. dollars. Recipients can receive funds in local currency via partner networks or digital wallets.

What makes this especially powerful is its broad appeal:

This positions SoFi uniquely among finance apps — combining ease of use with cutting-edge technology — and could become a major draw for immigrants, freelancers, remote workers, and small businesses engaged in global transactions.

Rapid User Growth Fuels Optimism

SoFi’s momentum extends beyond crypto innovation. The company added more than 800,000 new members in the first quarter of 2025 alone — an all-time high. This rapid user growth underscores strong market demand for its integrated financial model.

If the reintroduction of crypto services helps accelerate this growth — even marginally — it could have a compounding effect on revenue and profitability over time. More users mean more loan originations, higher interest income, increased interchange fees from debit card usage, and greater cross-selling opportunities.

Frequently Asked Questions (FAQ)

Why did SoFi stop offering crypto trading before?

SoFi paused its crypto trading services after becoming a nationally chartered bank in 2022. Regulatory guidelines at the time restricted chartered banks from engaging in cryptocurrency activities without specific OCC approval.

Is SoFi’s new crypto service safe?

Yes. With updated OCC guidance permitting banks to offer crypto custody and transaction services under strict compliance frameworks, SoFi’s relaunch is built on regulatory-approved infrastructure designed to protect user assets.

Do I need to own cryptocurrency to use SoFi’s international transfer feature?

No. The blockchain-powered money transfer system works entirely in U.S. dollars on the front end. Users don’t need any knowledge of or exposure to crypto to benefit from faster, cheaper cross-border payments.

Will SoFi support staking and earning interest on crypto?

Yes, staking capabilities are part of SoFi’s planned roadmap. While not available at launch, the company intends to introduce staking and other yield-generating features in future updates.

How does SoFi make money from crypto trading?

SoFi is expected to generate revenue through transaction fees or bid-ask spreads on trades — similar to other brokerage platforms. Exact pricing details will be announced closer to launch.

Could crypto boost SoFi stock performance?

While crypto itself may not be a major revenue driver immediately, its ability to attract new users and enhance platform stickiness could positively influence long-term growth metrics — potentially boosting investor confidence and stock valuation.

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Final Thoughts

SoFi’s reentry into the crypto space isn’t just about capitalizing on a trend — it’s about building a more comprehensive, modern financial ecosystem. By integrating blockchain technology into everyday banking functions like international transfers, and reintroducing user-friendly crypto trading with future staking and lending options, SoFi is positioning itself at the intersection of innovation and accessibility.

The core keywords driving this transformation — SoFi stock, crypto trading, blockchain technology, international money transfers, stablecoins, staking, fintech innovation, and digital finance — reflect both current market interests and forward-looking strategies.

While it remains to be seen how much crypto will directly contribute to revenues, its indirect impact on customer acquisition, retention, and brand differentiation could prove invaluable. For investors watching SoFi stock, 2025 may mark the beginning of a new chapter — one where crypto doesn’t just ride alongside traditional finance, but helps power it forward.