SoFi is a financial technology company that began at Stanford University in 2011 with an alumni-funded student loan program. It initially focused on student lending and refinancing, then expanded into mortgages, personal loans, banking, investing, and other financial services. The company became publicly traded on Nasdaq in 2021 and received approval to operate a nationally chartered bank in 2022.
Through its app, SoFi offers checking and savings accounts, credit cards, investments, student loan refinancing, personal loans, mortgages, and access to insurance products. It also runs a business-to-business technology division, renamed SoFi Tech Solutions in 2026, that provides payment processing, card issuing, banking software, lending tools, and risk services to banks, fintech companies, and other brands.
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