SoFi Technologies announced the launch of its Big Business Banking platform, a single regulated banking solution that lets enterprise customers hold deposits, move money, and settle transactions around the clock in both fiat and crypto currencies. The platform is built on SoFi’s banking charter and leverages a network of partners—including Cumberland, Bullish, BitGo, B2C2, Fireblocks, Wintermute, Galaxy, Jupiter, Mesh Payments, and Mastercard—to deliver a seamless, API‑driven experience for businesses that need real‑time, global payment capabilities.
The launch positions SoFi as a one‑stop infrastructure provider for firms that require instant settlement across traditional and digital finance. By integrating Solana and its own stablecoin, SoFiUSD, the platform offers high‑speed, low‑cost transactions while maintaining the regulatory safeguards of a nationally chartered bank and direct access to the Federal Reserve. This combination gives enterprise clients a secure, compliant alternative to legacy banks that still operate on 9‑to‑5 schedules.
SoFi’s move builds on a series of prior crypto initiatives, including allowing members to buy, sell, and hold crypto, the launch of SoFiUSD, and the development of regulated infrastructure that bridges on‑chain and off‑chain finance. The new platform extends these capabilities to a broader, business‑focused audience, expanding SoFi’s reach beyond consumer banking into the growing enterprise fintech market.
The platform targets a market that is increasingly demanding unified fiat‑crypto infrastructure, especially as AI agents and other automated systems require real‑time, 24/7 settlement. By offering a regulated, scalable solution, SoFi aims to capture a share of the enterprise payments space that has traditionally been served by legacy banks and specialized fintechs.
"To be competitive businesses today must operate in a global, always‑on environment 24 hours a day, 7 days a week, while legacy banks typically still operate 9 to 5, Monday to Friday,” said Anthony Noto, CEO of SoFi. “SoFi Big Business Banking is changing that by combining the strength and regulatory foundation of a nationally chartered bank with the speed, scale, and flexibility companies need to move and manage money or digital assets in real time."
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