As of October 3, 2026: SoFi says eligible new and existing members can earn a one-time $300 bonus in SOFID by transferring at least $1,000 in supported cryptocurrency to an active, verified SoFi Crypto account and keeping the qualifying principal there for the required holding period. This is an inbound-transfer promotion—not a reward for buying crypto on SoFi. The offer is subject to eligibility, asset and network requirements, and SoFi’s terms; it may change or end without notice. Review SoFi’s current promotion terms before transferring.
What the SoFi Crypto offer requires
SoFi’s terms set out a $1,000 minimum qualifying transfer and a one-time $300 reward paid in SOFID. You must meet the account and residency requirements, transfer an eligible asset using a supported network, and retain the qualifying principal during the required holding period. SoFi says withdrawing any principal voluntarily during that period forfeits the bonus.
| Requirement | SoFi’s stated terms |
|---|---|
| Promotion window | October 1, 2026, at 12:00 a.m. ET through October 14, 2027, at 11:59 p.m. ET. SoFi says it may modify, suspend, or terminate the promotion without notice. |
| Minimum transfer | At least $1,000 in one or more eligible cryptocurrencies. |
| Reward | One-time $300 bonus in SOFID. |
| Required holding period | October 15, 2026, at 12:00 a.m. ET through October 14, 2027, at 11:59 p.m. ET. |
| Expected reward timing | Within 15–20 business days after the holding period ends; SoFi says payment is expected “on or around November 8, 2027.” This is an estimate, not a guaranteed payment date. |
These are the terms SoFi lists as of October 3, 2026. Confirm the live promotion terms and the Receive screen in your account before acting.
Who can qualify
SoFi’s terms say the offer is available to new and existing SoFi Crypto members who have an active, verified account in good standing when they initiate the qualifying transfer. Participants must be at least 18 years old and legal residents of one of the 50 states or Washington, D.C. The promotion is limited to one per account. Check SoFi’s current terms for any additional conditions that apply to your account.
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Which cryptocurrencies and networks to check
The promotion terms name these qualifying assets: AAVE, BONK, BTC, ETH, FLOKI, LDO, LINK, LTC, POL, SHIB, SOL, SOFID, UNI, USDC, XLM, and XRP. SoFi’s transfer support page lists the inbound asset routes below. The qualifying-asset list and the supported network route both matter; use the asset and network shown on your own SoFi Receive screen immediately before sending.
| Asset | Network SoFi lists for inbound transfers |
|---|---|
| AAVE | Ethereum |
| BTC | Bitcoin |
| BONK | Solana |
| LINK | Ethereum |
| ETH | Ethereum |
| FLOKI | Ethereum |
| LDO | Ethereum |
| LTC | Litecoin |
| POL | Ethereum |
| SHIB | Ethereum |
| SOFID | Solana |
| SOL | Solana |
| XLM | Stellar; memo required |
| UNI | Ethereum |
| USDC | Ethereum |
| XRP | XRP Ledger; destination tag required |
SoFi’s support page currently lists 15 inbound cryptocurrencies; the promotion terms list 16 qualifying ticker symbols. Do not assume that a token’s availability in the offer means every network or transfer route is supported. See SoFi’s inbound transfer instructions and match the exact asset and network in the app. For XLM and XRP, copy the memo or destination tag displayed by SoFi. SoFi warns that using the wrong cryptocurrency or network, or omitting required transfer details, can prevent proper credit; blockchain transfers are generally final and irreversible.
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How the one-year hold affects withdrawals
The required holding period runs from October 15, 2026, through October 14, 2027, according to SoFi’s terms. The offer is therefore not simply “transfer in, then withdraw whenever you like”: voluntarily withdrawing any qualifying principal during that period forfeits the bonus. Consider whether you can leave the transferred principal in the account for the full period before initiating a transfer.
What the SOFID reward is—and is not
SoFi describes SOFID, also called SoFiUSD, as a payment stablecoin intended to be redeemable one-to-one for U.S. dollars. That stated intent is not a guarantee of dollar redemption or value. SoFi says SOFID is not a deposit, is not FDIC- or SIPC-insured, and is not legal tender; it may be subject to delay, disruption, or permanent loss. Read SoFi’s SOFID information and its broader crypto information before treating the bonus as cash.
Risks and tax considerations
Price and transfer risk
Crypto prices can change while assets are held, and SoFi does not guarantee returns. The value of the transferred cryptocurrency may rise or fall during the holding period. A transfer sent on an unsupported network or without a required memo or tag can create crediting problems, and SoFi says blockchain transactions are generally irreversible.
Possible tax reporting
SoFi says the bonus may be taxable income and may be reported on Form 1099-INT, 1099-MISC, or 1042-S. Members are responsible for applicable federal, state, and local taxes; ask a tax professional how the reward applies to your circumstances.
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Before you transfer
- Read the live offer terms. Confirm that the promotion is still active and that its dates, eligibility rules, and holding requirement have not changed.
- Verify your account eligibility. Make sure your SoFi Crypto account is active, verified, and in good standing, and that you meet the age and residency conditions.
- Open SoFi’s Receive instructions. Select the asset and copy the network details shown in the account. Do not rely on a network route copied from an old transaction or an outside wallet’s default.
- Check special transfer fields. For XLM, include the required memo; for XRP, include the required destination tag. Confirm all displayed details before confirming the transfer.
- Decide whether the hold fits your needs. Keep in mind that withdrawing qualifying principal during the required period forfeits the bonus.
Sources: SoFi promotion terms; SoFi inbound transfer support; SOFID information; SoFi crypto information.
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