SoFi Technologies, Inc. (NASDAQ:SOFI) today announced the launch of SoFi Earn (SOFIE), a national bank-issued tokenized deposit for consumers.

SoFi members can now earn interest on digital dollars while keeping them ready to use, representing the company’s fifth new crypto offering in less than a year.

Each SOFIE represents $1 held on deposit at SoFi Bank, earning 4.40% APY with funds FDIC-insured up to applicable FDIC limits. When members are ready to put those funds to work, they can convert SOFIE 1:1 to SoFiUSD, then use the SoFiUSD to buy crypto directly in the SoFi app or move money over blockchain rails 24/7.

“Too much money in the digital asset ecosystem is sitting idle, leaving massive potential earnings on the table for millions of people,” said Anthony Noto, CEO of SoFi. “We believe your money should keep working for you until the moment you need it. SoFi Earn combines the earning power and protections of a bank deposit with the speed and utility of digital assets, giving people more value, flexibility and control over their money.”

SoFi Earn is the latest in a series of launches that, in less than a year, have rapidly built out SoFi’s digital money ecosystem.

In November 2025, SoFi launched crypto trading for consumers, giving members the ability to buy, sell and hold crypto alongside their banking, borrowing and investing in one app. Today, members can trade more than 40 cryptocurrencies through SoFi Crypto.

In December 2025, SoFi launched SoFiUSD (SOFID), extending its digital money infrastructure to 24/7 dollar movement and settlement. SoFiUSD is already being put to work through settlement of SoFi’s entire card program across Mastercard’s global payments network, demonstrating how blockchain-based dollars can support real-world money movement at scale.

Earlier in 2026, SoFi launched Big Business Banking, giving companies a single regulated platform to manage both fiat and digital assets. Businesses can hold deposits and move money 24/7 across traditional payment rails, stablecoins and digital assets, helping clients operate seamlessly across traditional banking and the digital-asset economy.

SoFi Earn is rolling out to SoFi Crypto members now through November.