How to Use SoFi Crypto: A Step-by-Step Guide to Buying Bitcoin

Buying Bitcoin through SoFi Crypto is really easy. If you are already using the app to access banking or investing, there is no need to shift funds to a separate exchange first, as Bitcoin is now included in the ecosystem.

This convenience is the primary appeal of SoFi Crypto, which resumed operations in late 2025 under direct operations of SoFi Bank, but is available for buying, selling, and holding crypto.

What Is SoFi Crypto?

SoFi Crypto is SoFi Bank’s built-in cryptocurrency service.

It offers access to 29 assets, including:

The most notable difference from a regular crypto exchange is the interface, as there is no separate trading platform to learn and no need to fund another account if money is already being kept in SoFi Checking or Savings.

For someone who wants to buy Bitcoin occasionally, this is convenient.

Who Can Use SoFi Crypto?

SoFi Crypto is currently available to users located in the United States. You will need to:

• Be at least 18
• Have a U.S. Social Security number or ITIN
• Be a U.S. citizen, permanent resident, or qualifying non-permanent resident
• Have an eligible U.S. residential address

Some non-permanent residents are able to qualify, depending on their visa status.