SoFi Bank launched SoFi Earn, a tokenized deposit paying 4.40% APY with FDIC coverage, allowing users to convert funds to stablecoins 24/7.
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Members can convert the deposit into SoFiUSD at a 1:1 rate, but deposit interest and FDIC coverage do not follow the money into the stablecoin.
Each SOFIE token represents $1 on deposit at SoFi Bank, earning 4.40% APY with FDIC insurance—a yield-and-protection combination ordinary stablecoins lack.
