How SoFi is Approaching AI and Blockchain

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“We’re implementing and testing AI applications across our business from enhancing back office processes like dispute resolution and filing suspicious activity reports to improving how we interact with our members to help them get their money right, and we brought on teams of engineers to drive these efforts forward,” said SoFi CEO Anthony Noto during the Q2 earnings call.

While the company is using other innovative technologies like blockchain to allow customers to move money over crypto rails or to invest in the underlying cryptocurrencies themselves, they also see a role for it to effectively reintroduce peer-to-peer lending/investing.

“As we look further down the road, we see the potential to tokenize SoFi loans to make them more widely available in liquid markets in increments of dollars rather than tens of thousands of dollars such that anyone can invest in loans just like they do equities,” Noto said. “Crypto is a key area of focus for our management team and when we have brought on board significant expertise, including substantial engineering talent to advance these new initiatives.”

Last modified: July 30, 2025

Category: AI

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