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SoFi Becomes First National U.S. Bank to Offer Crypto Trading

SoFi Becomes First National U.S. Bank to Offer Crypto Trading

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 The source provides a detailed examination of SoFi Technologies, Inc.'s launch of SoFi Crypto, which positions it as the first nationally chartered U.S. bank to offer retail cryptocurrency trading directly within its banking application. This move, announced in November 2025, is framed as a major regulatory breakthrough enabled by the Trump administration's pro-crypto policies, specifically the GENIUS Act and a March 2025 interpretive letter from the Office of the Comptroller of the Currency (OCC). The article traces SoFi's evolution from a fintech lender to a federally regulated bank and describes how this integration leverages bank-grade security and compliance to accelerate mainstream crypto adoption among its 12.6 million members. Finally, the text explores the platform's features, user experience, and the significant implications this launch holds for competitors like Coinbase and traditional financial institutions.

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