Crypto In America Exclusive: SoFi’s CEO On New Stablecoin Launch, Becoming First National Bank to Offer Crypto Trading
Dec 17, 2025
Anthony Noto, CEO of SoFi and a fintech innovator, dives into the future of crypto banking. He reveals SoFi's groundbreaking status as the first national bank to offer crypto trading and discusses their upcoming stablecoin, SoFiUSD, designed for faster payments and safety. Noto shares insights on the importance of building on Ethereum and how SoFi aims to bridge traditional finance with digital assets. He also highlights the exciting convergence of AI and blockchain in shaping the financial landscape.
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White-Labeling Beats Reinventing Stablecoin Wheels
- Noto sees bank-issued stablecoins as one likely path but expects many banks to partner rather than issue directly.
- He invites big banks to white-label SoFiUSD and capture most economics without building new infrastructure.
Make Tokenized Deposits Insured And Interest-Bearing
- Offer tokenized deposit accounts that earn interest while on-platform and convert to non-interest payment stablecoins when sent off-platform.
- Structure tokens so on-platform balances remain FDIC-insured and yield-bearing for consumers.
Public Status Signals Trustworthiness
- Noto argues public companies build trust: transparency and oversight are vital when consumers entrust money.
- He warns that avoiding public markets to escape disclosures should be a red flag for customers.