sofie

SoFi just put a bank deposit on-chain for everyday customers — with FDIC cover and a yield.

On October 22, 2026, SoFi Technologies launched SoFi Earn (SOFIE), calling it the first national bank-issued tokenized deposit for U.S. consumers. Each SOFIE represents one U.S. dollar held on deposit at SoFi Bank, earns a variable 4.40% APY (rate as of October 20, 2026), and is FDIC-insured up to standard limits. SoFi frames the launch as its fifth crypto-related product in less than a year.

SOFIE is not a payment stablecoin. Members can convert it 1:1 into SoFiUSD when they want to buy crypto in-app or move funds over blockchain rails around the clock; once converted, those dollars leave the insured deposit product. SoFi expects the rollout to crypto customers to finish in November 2026. Tokenized bank deposits sit in a different risk box than exchange stablecoins — read the disclosures before parking cash.

#SoFi #SOFIE #TokenizedDeposits #Stablecoins #Crypto
DYOR. Not financial advice.

$SOFIE

美国国民银行把存款搬上链生息了：SoFi 官宣代币化存款 SoFi Earn，年化 4.40%，还带 FDIC。

10 月 22 日官宣，自称全美首家、也是目前唯一向零售发代币化存款的国民银行。1 枚 SOFIE = 1 美元银行存款，APY 4.40%（可变，数据截至 10 月 20 日），FDIC 保障上限一般 25 万美元/存款人/所有权类别。要用时 1:1 换成自家稳定币 SoFiUSD，可买币或 7×24 链上转；一换成稳定币就不再算存款、也不再吃 FDIC。注意：SOFIE 不是支付稳定币，目前只对 SoFi Crypto 用户滚动开放，预计 11 月前推完。

方向：偏多「银行存款代币化」这条零售落地线，别跟交易所山寨票混为一谈。

闲钱你更想放 SOFIE 吃 4.40%，还是继续躺无息稳定币？

提示：本次分析仅供参考，不构成任何投资建议！

#SOFIE #币安神算子

SoFi ra mắt token tiền gửi tính lãi SOFIE, chuyển đổi được SoFiUSD

- SoFi phát hành token tiền gửi SOFIE đại diện tiền gửi tại SoFi Bank
- Lãi suất 4,40% APY (tuỳ điều khoản)
- Có thể chuyển đổi sang SoFiUSD để chuyển nhượng trên blockchain

#BinanceSquare #CryptoNews #SOFIE #SOFIUSD #TokenizedDeposits Stablecoin

$sofie $sofiusd

vlikevn Titanbot

Nguồn: NewsBTC

🏛 $SOFIE: SoFi Unveils First National Bank Tokenized Deposit

SoFi launched SoFi Earn ($SOFIE), introducing the first consumer tokenized deposit issued by a U.S. national bank. Each token represents $1 held on deposit, delivering a 4.40% annual percentage yield backed by FDIC insurance. Tokens convert 1:1 into the bank's stablecoin for trading or on-chain settlement, though FDIC protections apply only up to standard statutory limits.

#SOFIE #TokenizedDeposits #Banking

【市场快讯】640亿美元稳定币正躺着睡大觉，SoFi直接开出4.40%年化来抢这笔闲钱。全国性银行SoFi推出代币化存款SOFIE，每枚对应银行里1美元存款、在上限内享FDIC保险，想花时1:1换成SoFiUSD买币或转出。别搞混：SOFIE是存款，SoFiUSD本身不是存款、也不受FDIC保险。银行亲自下场，稳定币以后拼的不是故事，是牌照和利息。你会把闲置稳定币换成这种银行代币化存款吗？看多扣1观望扣2
$BTC $ETH $USDC
#稳定币 #代币化存款 #SOFIE
（来源：Unchained）
⚠️风险提示：以上为市场信息分享，不构成投资建议；投资有风险，入市需谨慎。

炸裂！美国银行 SoFi 直接开挂——推出代币化存款 SOFIE，年化 4.4% 还带 FDIC 存款保险，1:1 随时转成自己的稳定币 SoFiUSD 买币转币，24/7 不停。

最骚的操作是这个：GENIUS 法案明明禁止稳定币发利息，SoFi 绕了个弯——发的不是稳定币，是银行存款的链上凭证，钱本质还在银行账户里躺着吃息，合规上走的是银行规则。

美联储估算有 640 亿美元稳定币在钱包里闲置躺平，SoFi 这波摆明了想把这些闲钱吸过来。CEO 原话：太多数字资产在闲置沉睡。#SoFi #SOFIE #代币化 #稳定币 #FDIC 你说这是真创新还是监管套利？