SoFi Checking & Savings (USD cash)
source: StableLens reference & flow dataReport incorrect data
Frequently asked
Is SoFi Earn FDIC or SIPC insured?
No. SoFi Earn is a crypto earn product, not a bank deposit — the the stablecoin is held and deployed by SoFi, so it is not FDIC- or SIPC-insured and the yield is variable, not guaranteed.
Where does the ~4% yield come from?
SoFi Earn deploys the deposited the stablecoin to generate the rate; it is variable, not fixed.
Is the stablecoin safe?
See the the stablecoin report for its compliance score, reserves, and peg history.
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- ✓Full yield & structure breakdown
- ✓Custody, credit layer & insurance detail
- ✓Institutional reference data (custodian, regulator, ISIN)
- ✓Subscription / redemption flows
- ✓Direct source & announcement links
- ✓Depeg alerts & watchlists