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SoFiUSD

SoFiUSD (SOFID) is a U.S. dollar payment stablecoin issued by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. It is designed to hold a stable value relative to the U.S. dollar and to function as a payment and settlement instrument rather than an investment product. SoFi Bank maintains reserve assets intended to at least equal the outstanding supply of SOFID. Under the SOFID Terms of Use, those reserves consist of high quality liquid assets, including U.S. currency held in cash or demand deposits and other cash equivalents permitted under applicable law. SoFi publishes reporting covering outstanding supply and reserve composition, with attestations performed by an independent Certified Public Accountant licensed in the United States. Issuance and redemption at par are conducted by SoFi Bank with approved SoFi Customers under separate agreements. Holding or transferring SOFID does not by itself create a redemption right with the issuer, and secondary market prices may move above or below one U.S. dollar. SOFID is not a deposit, is not insured by the FDIC or SIPC, and is not legal tender. It does not pay interest or yield to holders. SOFID is issued on Ethereum and Solana.