In a move that could reshape digital money flows, the new sofi stablecoin is set to connect regulated banking infrastructure with global payment networks.
SoFi and Mastercard unveil SoFiUSD for global settlements
SoFi has become the first U.S. nationally chartered and FDIC-insured bank to issue a stablecoin on a public blockchain, marking a significant milestone for regulated digital assets. Launched in December 2025, the token, called SoFiUSD, is designed specifically for global payment settlements across Mastercard’s vast network.
The new asset is fully backed by cash reserves, according to the company, and aims to support instant transactions around the clock. Moreover, SoFi positions SoFiUSD as an infrastructure layer for business payments, cross-border remittances, and B2B flows that can clear and settle 24/7, beyond traditional banking hours.
Regulated structure and 24/7 transaction capability
SoFi emphasizes that SoFiUSD operates as a bank-issued digital dollar, w
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