Alternatif SoFi: Bandingkan platform yang serupa dengan SoFi

Oleh Kraken Learn team
3 min
14 April 2026
Perkara utama 🔑
  1. SoFi is a U.S.-based personal finance platform that combines stock and ETF trading

  2. banking services

  3. loans

  4. and a small crypto offering in one app. Its focus on simplicity and integration has made it popular with retail users seeking an all-in-one financial solution.


Pengenalan kepada alternatif SoFi 🔍

Founded in 2011, SoFi began as a student loan refinancing company and has since expanded into a full consumer finance platform. Its app offers stock and ETF trading, automated portfolios, banking products, credit cards, and limited access to cryptocurrencies.

Still, its narrow crypto selection and focus on the U.S. market may lead some users to consider alternatives. Other platforms may provide more advanced trading tools, broader asset coverage, or stronger global access.

1. Kraken

Ditubuhkan pada tahun 2011, Kraken ialah salah satu nama terbesar dan paling dipercayai di dunia dalam kripto. Beribu pejabat di Cheyenne, Wyoming, Kraken berkhidmat untuk puluhan juta pelanggan di lebih 190 negara.

Kraken menawarkan platform lengkap untuk pelbagai produk dan perkhidmatan kripto. Sama ada anda ingin membeli bitcoin, menyemak harga Solana (SOL) atau menukar USD kepada ETH, Kraken memudahkan akses kepada ratusan mata wang kripto daripada aplikasi Kraken utamanya yang direka untuk pelabur harian serta  Kraken Pro untuk pedagang lanjutan.  Kraken Institutional juga menawarkan rangkaian penuh produk kripto untuk pelabur yang memerlukan perkhidmatan premium. 

 

Merentasi ciri-ciri seperti staking, margin, futures, dan perdagangan OTC, Kraken menawarkan pelbagai cara untuk mendapatkan pendedahan kepada kategori kripto terbesar di dunia. Kraken juga membenarkan pelanggan di wilayah tertentu untuk mengakses sehingga 11,000 saham dan xStock yang tersenarai di AS, serta keupayaan untuk menghantar dan memperoleh pendapatan daripada portfolio anda menggunakan Krak.

Semua ini disokong oleh piawaian keselamatan yang diiktiraf di peringkat global, Kraken adalah yang pertama mempelopori Proof of Reserves dan terus menegakkan standard baharu untuk ketelusan dan akauntabiliti. Sejak dilancarkan lebih 10 tahun yang lalu, dompet kustodian yang diuruskan Kraken tidak pernah diceroboh.

Ulasan Kraken menunjukkan bahawa ia menarik minat pelabur yang mementingkan keselamatan dan pedagang lanjutan yang menghargai pematuhan peraturan, sokongan pelanggan yang mudah diakses dan ciri keselamatan yang hebat menyokong pengalaman perdagangan mereka. Sebagai salah satu pertukaran kripto terbaik, tertua dan paling dipercayai, Kraken mempunyai alatan dan ciri yang anda perlukan untuk melaksanakan strategi kripto anda mengikut syarat anda sendiri.

A bar chart showing the availability of cryptocurrency exchanges by country, with source and availability disclaimers.

2. Robinhood

Robinhood, founded in 2013, is a U.S.-based brokerage offering commission-free stock, ETF, and options trading. It has also added a small number of cryptocurrencies and a debit card, positioning itself as an entry point for retail investors.

While its simplicity has driven growth, Robinhood remains focused mainly on the U.S. market and retail beginners, rather than advanced traders or global investors.


Faedah:

  • Commission-free trading for stocks and ETFs
  • Simple, mobile-first design popular with beginners
  • Access to options and select cryptocurrencies
  • Integrated debit card and cash management features
  • Strong brand recognition among retail investors

Had:

  • Limited international availability
  • Narrow cryptocurrency selection compared to crypto-focused platforms
  • Lacks advanced trading features for professional users
  • Past outages have raised concerns among active traders

3. Webull

Webull, founded in 2017, is a mobile-first brokerage platform that offers commission-free stock, ETF, and options trading. It has added support for a handful of cryptocurrencies, positioning itself as a hybrid retail investing app.

Its appeal lies in commission-free access and user-friendly tools, though its crypto offering and global reach remain limited compared to larger exchanges and brokers.


Faedah:

  • Commission-free trading for stocks, ETFs, and options
  • Modern, mobile-first platform with advanced charting tools
  • Access to a small range of cryptocurrencies
  • Paper trading and demo features for beginners
  • Popular among U.S. retail investors for low-cost access

Had:

  • Crypto coverage limited to a handful of tokens
  • Limited global reach
  • Fewer advanced features compared to professional broker platforms
  • Not an all-in-one financial app (limited payments and banking features)

4. eToro

eToro, founded in 2007, is a multi-asset brokerage offering stocks, ETFs, crypto, and commodities, all within a single trading platform. It has built its brand on accessibility and its signature copy-trading feature, which enables retail investors to mirror experienced traders.

This positioning makes eToro appealing to beginners and social investors, though advanced traders may find the platform less comprehensive compared to pro-level brokers or exchanges.


Faedah:

  • Multi-asset coverage including stocks, ETFs, and cryptocurrencies
  • Social trading and copy-trading features for beginners
  • Commission-free stock trading in many regions
  • User-friendly platform with a strong retail focus
  • Large, global community of active traders

Had:

  • Fees can be higher on some products and withdrawals
  • Certain assets and features restricted by region
  • Platform geared more toward beginners than professionals
  • Limited advanced tools compared to specialized brokers

5. Interactive Brokers

Interactive Brokers, founded in 1978, is a U.S.-based global brokerage offering access to equities, ETFs, options, futures, bonds, and currencies. It is widely recognized for its professional-grade trading platforms, extensive charting tools, and global market coverage.

The platform appeals to active and institutional investors who need deep market access and advanced capabilities, though it can feel less accessible for beginners or those seeking integrated payments and crypto alongside brokerage services.


Faedah:

  • Broad access to global markets across multiple asset classes
  • Professional-grade platforms with advanced charting and analytics
  • Competitive fees and margin rates for active traders
  • Institutional-level infrastructure and reliability
  • Long track record as a trusted global brokerage

Had:

  • Complex platform with a steep learning curve for beginners
  • Focused on professional trading rather than retail simplicity
  • No integrated payments functionality
  • Limited crypto support compared to dedicated exchanges

6. Charles Schwab

Charles Schwab, founded in 1971, is a U.S.-based financial services company and brokerage firm. It offers stocks, ETFs, options, mutual funds, retirement products, and advisory services, supported by a large network of financial professionals.

Its reputation for trust and stability appeals to long-term investors, though it offers little in the way of integrated crypto or modern all-in-one financial services compared to newer platforms.


Faedah:

  • Long-established and highly trusted U.S. brokerage
  • Wide range of stocks, ETFs, mutual funds, and retirement products
  • Strong research, advisory, and educational resources
  • Extensive customer service network, including in-person branches
  • Appeals to long-term investors and retirement planners

Had:

  • Very limited crypto access compared to modern money apps
  • Traditional platform design less appealing to younger retail investors
  • Focused on long-term investing, less suited for active traders
  • Less emphasis on global payments integration

7. Fidelity

Fidelity, founded in 1946, is a Boston-based investment firm and brokerage. It provides access to equities, mutual funds, ETFs, bonds, options, and retirement accounts, supported by strong research and wealth management tools.

Its scale and reputation appeal to long-term investors and retirement savers, though it offers little in the way of integrated crypto or modern financial app functionality.


Faedah:

  • One of the most established and trusted brokerages worldwide
  • Wide range of stocks, ETFs, mutual funds, and retirement accounts
  • Strong research tools and educational resources
  • Wealth management and advisory services available
  • Appeals to long-term investors and retirement-focused clients

Had:

  • Very limited crypto offerings compared to modern money apps
  • Focuses heavily on long-term investing, less on active trading flexibility
  • Traditional platform design less appealing to younger, mobile-first users
  • No integrated payments or tokenized asset functionality

Alternatif SoFi: Apakah kesimpulannya? 🧩

Pilih tempat terbaik untuk membeli kripto 🔐

Jika anda mencari bursa kripto untuk setiap langkah perjalanan kripto anda, tumpuan Kraken pada keselamatan, ketelusan dan sokongan pelanggan sangat bermakna. 

Daftar hari ini untuk mengakses lebih ratusan aset digital dan lihat mengapa berjuta-juta pengguna mempercayai Kraken untuk memastikan pelaburan mereka selamat.