Sofi From

What Sofi From does

SoFi Technologies, Inc. is a US-based digital-first financial services company founded in 2011 and headquartered in San Francisco, publicly traded on NASDAQ under ticker SOFI since its 2021 SPAC merger. The company operates through three reporting segments: Lending (personal loans representing 71% of origination volume, student loans, and home loans), Financial Services (checking, savings, credit cards, investment, and crypto trading), and Technology Platform (Galileo and Technisys B2B fintech infrastructure serving other banks, fintechs, and brands).

SoFi's core economic engine is deposit-funded lending enabled by its national bank charter acquired in 2022, which the company estimates generates a $200-400 million annual net interest income advantage over non-bank competitors. The company monetizes across multiple streams: net interest income on lending, fee-based financial services revenue (the Financial Services segment generated $472M in Q2 2025, up 74% year-over-year), B2B technology platform revenue from Galileo and Technisys (projected to contribute $150-200M to 2026 EBITDA), and emerging crypto and stablecoin transaction fees. Recent product expansion includes SoFi Crypto (first nationally chartered US bank offering retail crypto trading), SoFiUSD stablecoin, SoFi Smart Card, SoFi Big Business Banking for enterprise clients, and SoFi Pay for cross-border payments.

SoFi serves a member base of 15.8 million consumers as of Q2 2026, primarily millennials and Gen Z, alongside enterprise clients leveraging its Galileo API platform. The company is led by CEO Anthony Noto and reported Q2 2026 adjusted net revenue of $1.21 billion (40% year-over-year growth) with raised full-year guidance of $4.75-4.85 billion. Strategic partnerships with Mastercard, BitGo, Southwest Airlines, and Notre Dame, combined with enterprise partners including Cumberland, Bullish, Galaxy, and Fireblocks, position SoFi at the intersection of traditional banking, fintech infrastructure, and digital assets.

Name

Sofi From

Legal name

SoFi Technologies, Inc.

Website

https://uu.se

Company type

Public

Founded year

2011

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

SoFi Technologies is a US digital-first financial services company offering lending, banking, investment, and crypto products to 15.8 million consumer members, while operating a B2B fintech infrastructure platform (Galileo) serving institutional clients, generating over $5 billion in annualized revenue.

Ownership category

akta.pro rank

Product category

Digital Banking and Consumer Lending

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

Keywords

• Digital banking services
• Personal lending products
• Student loan refinancing
• Cryptocurrency trading platform
• Fintech infrastructure platform

Headquarters

HQ city

Uppsala

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Net Interest Income (Lending): Revenue from interest income on loans funded by customer deposits. Bank charter enables funding loans at substantially lower costs, creating estimated $200-400 million annual NII advantage. Personal loans represent 71% of loan origination volume.
2. Technology Platform (Galileo & Technisys): B2B revenue from providing fintech infrastructure services to other financial institutions. Galileo platform serves clients including Banco Nación in Argentina and powers Spruce app for H&R Block. Contributed $150-200 million to EBITDA target by 2026.
3. Financial Services & Fee-Based Revenue: Non-interest fee income from financial products and services including SoFi Invest, SoFi Crypto, and financial advisory. Light-asset segment generated $472 million in Q2 2025, up 74% year-over-year, now representing nearly 40% of total revenue.
4. Crypto Transaction Revenue: Cryptocurrency trading fees from SoFi Crypto platform. Generated $134.3 million in crypto transaction revenue in Q2 2026, with net crypto revenue of approximately $1.2 million after $133.1 million in transaction costs.
5. Loan Origination, Securitization & Servicing: Revenue from loan originations across personal loans, student loans, and home loans. Record loan originations of $14.8 billion in Q2 2026. Completed $697.6 million securitization of personal loans in February 2025.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

SoFi Technologies is a digital-first financial technology company providing lending (personal, student, and home loans), banking (checking, savings, credit cards via the SoFi Smart Card), investing (SoFi Invest with crypto trading), and a B2B fintech infrastructure platform (Galileo and Technisys) to consumers and enterprise clients. Operating through a national bank charter, the company funds loans with customer deposits and offers the SoFiUSD stablecoin, the SoFi Big Business Banking enterprise platform, and SoFi Pay for cross-border payments.

Product overview

SoFi Technologies operates as a digital-first fintech company offering a comprehensive financial services ecosystem. The company operates through three primary segments: Lending (personal loans, student loans, home loans), Technology Platform (Galileo and Technisys B2B infrastructure), and Financial Services (banking, investment, crypto). Key products include SoFi Invest (with cryptocurrency trading, retirement accounts, and private markets funds), SoFi Big Business Banking (enterprise fiat/crypto banking), SoFiUSD stablecoin, SoFi Smart Card, and SoFi Pay (blockchain-based international payments). The Galileo technology platform powers the B2B infrastructure with API-first digital banking services. SoFi's bank charter enables deposit-funded lending at lower costs, creating competitive advantages in net interest margins.

Differentiator

Problem solved

Functional benefit

Brands

• SoFiUSD: Fully reserved US dollar stablecoin issued through SoFi Bank, designed for low-cost settlement across banks, fintechs, and enterprise platforms.
• SoFi Big Business Banking
• SoFi Crypto

Products and services

• SoFi Lending Personal loans, student loan refinancing, and home loans funded through customer deposits under SoFi's national bank charter; revenue generated through net interest income and loan origination fees.
• SoFi Financial Services Banking, checking, savings, credit cards, and insurance products; generated $472 million in revenue (up 74% YoY) in Q2 2025, accounting for nearly 40% of total revenue as SoFi shifts to fee-based income.
• Galileo API-first digital banking infrastructure serving banks, fintechs, and brands (e.g., H&R Block's Spruce app, Banco Nación Argentina, Southwest Rapid Rewards debit card); powers millions of accounts with card issuing, payments, fraud detection, and compliance services.
• SoFi Technology Platform B2B fintech infrastructure segment combining the Galileo API platform and the Technisys cloud-native banking platform; provides digital banking, card issuing, payments, fraud detection, and compliance to institutional clients.
• SoFi Invest Investment platform offering cryptocurrency trading, retirement accounts, and private markets funds for retail investors.
• SoFi Big Business Banking Enterprise banking platform combining fiat and cryptocurrency services with 24/7 transaction settlement and real-time payment processing for business customers.
• SoFiUSD Fully reserved US dollar-pegged stablecoin issued through SoFi's nationally chartered bank subsidiary for low-cost settlement across banks, fintechs, and enterprise platforms.
• SoFi Smart Card All-in-one account card combining checking, savings, debit, and credit features with 5% unlimited cash back on groceries and up to 4.30% APY on savings balances for up to six months; exclusively available to new SoFi Plus members.
• SoFi Pay Blockchain-based international payments service enabling cross-border money transfers for SoFi customers, starting with Mexico.
• SoFi Crypto Cryptocurrency trading platform enabling retail customers to buy, sell, and hold Bitcoin, Ethereum, Solana, and dozens of other cryptocurrencies through SoFi's nationally chartered bank.

Quantifiable outcome

• 40% revenue growth year-over-year in Q2 2026 to $1.21 billion
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• CAZ InvestmentscoreStrategic or Co-development Partner · 7 August 2026SoFi added three private markets funds from CAZ Investments to its digital financial services platform, expanding alternative investment options. New offerings provide exposure to sectors including AI and fintech with minimum investments starting at $500 to $2,500.
• AngelList Asset ManagementcoreStrategic or Co-development Partner · 7 August 2026Partnered with AngelList to add three private markets funds to SoFi Invest platform offering members access to alternative assets across AI, fintech, healthcare, and defense sectors with relatively low minimums and periodic liquidity.
• MastercardcoreStrategic or Co-development Partner · 15 April 2026Strategic partnership with Mastercard to settle SoFiUSD stablecoin. Also powers Southwest Airlines Rapid Rewards debit card. Deep financial services integration across consumer and commercial payments.
• BitGocoreTechnology or Integration · 2 April 2026Launched SoFiUSD stablecoin in partnership with BitGo. BitGo serves as key infrastructure partner for digital asset custody and management supporting SoFi's crypto and stablecoin initiatives.
• Southwest AirlinesminorStrategic or Co-development Partner · 28 October 2025SoFi partnered with Southwest Airlines to power their Rapid Rewards debit card through Galileo technology platform.
• Banco Nación ArgentinacoreTechnology or IntegrationMajor institutional client of Galileo's API platform providing digital banking infrastructure in Argentina. Represents Galileo's international expansion and enterprise client base.
• H&R Block (Spruce)coreTechnology or IntegrationSoFi's Galileo platform powers Spruce mobile banking app for H&R Block, offering spending accounts with debit cards, savings tools, early paycheck availability, and overdraft protection.
• AtomiccoreTechnology or IntegrationGalileo launched Payment Method Switch powered by Atomic, enabling banks, fintechs, and brands to help customers update default payment methods across merchants, subscription services, and digital wallets.
• Fortress Investment GroupminorStrategic or Co-development PartnerStrategic partnership positioning SoFi for broader fintech market expansion as part of strategic acquisitions and partnerships.
• LightsparkminorStrategic or Co-development PartnerStrategic partnership in stablecoin and crypto infrastructure as part of SoFi's fintech ecosystem expansion.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sofi

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sofi From