SoFi, a regulated US bank with over $37 billion in deposits, has introduced Big Business Banking, a new enterprise-focused platform that brings fiat and cryptocurrency services together within a single regulated banking environment. The offering reflects a broader shift in financial infrastructure as companies increasingly operate across both traditional and digital markets and require continuous, real-time access to capital and settlement systems.
The platform operates through SoFi’s nationally chartered bank, which gives enterprise clients direct access to regulated deposit accounts and Federal Reserve infrastructure.
More notably, the platform plans to leverage Solana, alongside other blockchains. By integrating blockchain infrastructure directly into its banking system, SoFi aims to simplify financial operations that have historically required multiple service providers, all without leaving a regulated environment.
Addressing the Limits of Traditional Banking
Businesses that operate globally often face constraints imposed by conventional banking hours. Many legacy systems still follow weekday schedules, which can delay payments, settlement, and liquidity management. These limitations create inefficiencies for firms participating in continuously operating markets.
SoFi positions Big Business Banking as a response to this gap. The platform allows companies to hold funds, move money, and settle transactions at any time, including nights, weekends, and holidays. This always-on capability aligns with the operational demands of modern financial markets, particularly in sectors such as digital asset trading and cross-border commerce.
“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. 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.” - Anthony Noto, CEO of SoFi.
Core Capabilities of the Platform
SoFi Big Business Banking introduces several features designed to support enterprise-scale financial activity.
The platform centers on continuous, API-driven systems. Companies can send and settle payments 24/7 using fiat, $SoFiUSD, or selected cryptocurrencies, which allows them to respond immediately to market conditions. A key component of the system involves $SoFiUSD, the firm’s stablecoin. $SoFiUSD plays a central role through its mint and burn mechanism, enabling instant conversion between fiat and digital assets while maintaining reserves within a regulated environment.
A unified interface brings these capabilities together, allowing firms to manage payments, liquidity, and digital assets in one place. This structure reduces reliance on multiple intermediaries such as banks, custodians, and crypto service providers, and simplifies workflows for companies operating across both traditional and onchain financial systems.
Ecosystem and Early Participants
The launch includes participation from several established firms across digital asset trading, custody, and financial infrastructure. Initial participants include Cumberland, Bullish, BitGo, B2C2, Fireblocks, Wintermute, Galaxy, Jupiter, Mesh Payments, and Mastercard.
These organizations represent a range of functions within the financial ecosystem, including liquidity provision, asset custody, payments, and settlement services. Their involvement suggests that the platform targets institutional users who require scalable and reliable financial infrastructure.
In addition, SoFi has expanded its collaboration with Mastercard to support stablecoin settlement across global payment networks.
Expansion of SoFi’s digital asset strategy
The introduction of Big Business Banking builds on SoFi’s broader expansion into cryptocurrency and blockchain-based services. Over the past year, the company has launched its $SoFiUSD stablecoin and developed infrastructure that connects traditional finance with onchain systems.
In November 2025, SoFi also introduced the ability for retail customers to purchase Bitcoin, Ethereum, and Solana directly from checking accounts. This marked the first time a regulated U.S. bank enabled direct Solana purchases through standard banking channels.
These developments position SoFi as an early adopter among regulated banks in integrating digital assets into both consumer and institutional offerings, signaling a proactive approach to bridging traditional finance with blockchain-based systems.
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