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Home/Briefs/fintech

BriefApril 13, 2026 · 08:42 PM

SoFi shifts to enterprise banking and crypto to reduce lending reliance

SoFi generates fee-based revenue of $443 million in Q4 2025 as it pivots away from a reliance on retail lending. The company is diversifying its income through technology platforms and business-oriented fiat-crypto solutions. This shift includes the launch of Big Business Banking, a platform that allows enterprises to manage fiat deposits, crypto assets and the SoFiUSD stablecoin. To scale this infrastructure, SoFi integrated the SoFiUSD stablecoin with Mastercard's global payments network. The company is also expanding its Loan Platform Business, securing $3.6 billion in new personal loan delivery commitments across three partnerships. These initiatives move the company beyond its origins as a student loan refinancing specialist into a full-service digital bank.

Leona Elsworth

fintechdigital bankingenterprise banking

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