- SoFi Technologies launches SoFiUSD stablecoin backed by cash reserves.
- SoFi offers blockchain settlements for payments.
- Positioned as the first national bank to issue stablecoin.
SoFi Technologies introduced SoFiUSD, a 1:1 cash-reserved stablecoin, on December 18, 2025, for enhancing payment infrastructure through blockchain settlements.
SoFiUSD’s launch marks SoFi as the first national bank with a stablecoin on a public blockchain, potentially transforming digital and international payments.
Lede
SoFi Technologies has launched SoFiUSD, a fully reserved USD stablecoin intended for blockchain payments. The coin is backed by a 1:1 cash reserve, ensuring reliable value. This marks a significant step in payment technology advancement.
Nutgraph
SoFiUSD is introduced by the national bank SoFi Technologies, initially for internal use, with a full rollout planned. SoFi aims to enhance blockchain settlements, positioning itself as a pioneer among national banks venturing into public blockchain use.
Sections
Immediate Effects
Immediate effects are expected in payment infrastructures, allowing for 24/7 blockchain settlements. The launch will enable international remittances and consumer transactions, paving new ways for efficient and continuous financial operations.
SoFi launches stablecoin for banks, fintechs, and enterprise partners“SoFi has launched SoFiUSD, a fully reserved USD stablecoin backed 1:1 by cash reserves.” — SoFi Technologies, National Bank and Financial Services Company.
Financial Implications
Financial implications are not specified beyond SoFiUSD, as there are no noted impacts on other cryptocurrencies. The move follows a broader trend of blockchain adoption in financial services, although precise market impacts remain unclear.
Community Sentiment
Community sentiment or expert opinions on SoFiUSD are currently unreported. Full industry reactions are anticipated as the stablecoin rolls out more broadly.
Potential Outcomes
Potential outcomes include changes in financial, regulatory, or technological landscapes. The introduction of SoFiUSD could prompt further blockchain integration across banking sectors. Historical trends suggest growing interest in stablecoins despite lack of immediate on-chain data.
