How it operates
SoFi combines a digital consumer platform with lending, bank products and financial services. Public filings describe personal, student and home loans, deposits, investment services and enterprise offerings.
Financial technology company · COVERAGE INDEX
SoFi
SoFi Technologies is a digital financial services company and bank holding company offering lending, banking, investing and other financial products.
SoFi states that SoFi Bank provides specified deposit, credit and lending products. The company also describes technology and enterprise services, including lending and financial infrastructure offerings. Products, services and legal entities differ across the group.
Financial services relevance
The company spans digital acquisition and servicing, bank funding, consumer lending and technology services to other institutions. Its integrated app also illustrates cross-selling across financial products.
News timeline
Published Sep 26, 2026Source / event date: Reported Sep 22
SoFi’s own card flow becomes a stablecoin test case →
Reporting on SoFi and Mastercard’s stablecoin settlement partnership puts settlement liquidity and working capital in focus. The test is whether a new settlement rail improves the full operating process.
Bank & fintech · Company claimRelated permanent research
Lending & consumer financeResearch updated Oct 4, 2026
Cash-Flow Underwriting: Adoption, Performance & Risk →
Cash-flow underwriting is already used in bank, CDFI, merchant and mortgage workflows. This expanded review maps adopters and motives, separates historical adoption statistics from live coverage, examines predictive and adverse evidence, and explains affordability, operational, economic and governance risks.
Financial company profileResearch updated Oct 4, 2026
Galileo and SoFi Tech Solutions: the platform, the bank boundary and a changing revenue base →
Galileo’s 2026 transition to SoFi Tech Solutions joins processing and core-banking capabilities under a broader brand. Customer attrition, intercompany activity and product mix complicate its scale metrics.
Financial company profileResearch updated Sep 30, 2026
SoFi Bank: digital relationships, funding and the wider financial platform →
How a digital bank connects saving and borrowing, why active customer relationships matter, and where the bank ends and the parent’s technology business begins.
Policy & official records
Curated library records that name SoFi or connect through its linked research. The official source provides full scope and status.
OCC / FDIC / Federal Reserve / NCUA2020-05-20 · Current posted supervisory guidance
Responsible small-dollar lending — interagency principles →
Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.
Official record ↗OCC / FDIC / Federal Reserve / CFPB / NCUA2019-12-03 · Current posted supervisory guidance
Alternative data in credit underwriting — interagency statement →
Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.
Official record ↗CFPBDate not provided · Codified rule
Credit-card ability to pay — 12 CFR 1026.51 →
Ability-to-pay requirements for opening card accounts and increasing credit limits, including special rules for younger consumers. Separate from the mortgage ability-to-repay and qualified-mortgage framework.
Official record ↗