• SoFi is entering commercial banking with a 24/7 model that combines fiat accounts, crypto rails, and its own tokenized deposit, SoFiUSD, to enable real-time money movement.
• The company is taking a “stablecoin sandwich” approach, converting fiat to SoFiUSD and back again to enable instant settlement while keeping deposits on its balance sheet.
• SoFi is positioning itself between banks and fintechs, aiming to deliver the speed of crypto-native players and the trust of a regulated bank in a single platform.

Lending and wealth management fintech SoFi is joining the commercial banking world with the launch of SoFi Big Business Banking, its new set of enterprise banking tools. The new offering comes with both…