The banking industry is increasingly engaging with digital assets, as evidenced by major banks like Bank of America and Morgan Stanley announcing expansions in their crypto offerings in early 2025.

SoFi CEO Anthony Noto announced plans to reintroduce cryptocurrency investing by the end of 2025, following recent regulatory changes.

Despite a challenging market, the consensus rating for SoFi's stock among analysts is 'Hold', with an average price target suggesting a potential downside.

SoFi's stock has decreased by 12% in 2025, currently trading at $13.55 per share.

Over the next six to 24 months, SoFi plans to incorporate crypto technology into its major product lines, potentially accelerating this process through acquisitions.

The return of SoFi to the crypto market reflects changing political and regulatory dynamics that may alter the relationship between traditional banks and digital assets.

A recent letter from the Office of the Comptroller of the Currency clarified that supervised banks can now operate in crypto businesses, facilitating SoFi's return to the market.

During this suspension, customers were redirected to Blockchain.com or forced to liquidate their crypto holdings.

The fintech bank had previously suspended its crypto investing services in late 2023 as a condition for obtaining a bank charter amid increased federal scrutiny.

Noto emphasized a comprehensive approach to crypto, intending to integrate blockchain capabilities across all of SoFi's product areas.

SoFi is exploring advanced crypto services, including borrowing against crypto assets and using cryptocurrencies for payments.

Recently, SoFi reported its fastest revenue growth in over a year and raised its 2025 revenue and earnings guidance.