English(EN) SoFi becomes first consumer bank to launch tokenized deposits, offers 4.4% interest

SoFi 推出代币化存款，利率 4.4%，为消费银行首创

作者 PulseAugur 编辑部 · [1 个来源] · 2026-10-22 12:00

SoFi 推出了一款名为 SoFi Earn 的新产品，提供年化 4.4% 的代币化存款并享有 FDIC 保障。此举使 SoFi 成为首家提供此类服务的消费银行，将传统银行业务与区块链技术相结合。虽然与稳定币类似，但代币化存款在现有银行体系内运作，并且转账需要双方都在发行银行开户。 AI

影响这一发展将区块链技术整合到消费银行业务中，可能会影响数字资产与传统金融的互动方式。

排序理由这是金融机构推出的整合区块链技术的产品，但并非前沿人工智能发布或重大的行业范围转变。

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本文如何被排名

Signal score: 0 / 100; Composite score across the factors below. Higher = stronger signal that this story matters right now.
Newsworthiness bucket: Tool; 这是金融机构推出的整合区块链技术的产品，但并非前沿人工智能发布或重大的行业范围转变。
Source corroboration: Single-source cluster; Only one publisher covered this so far. Single-source stories can still rank when the publisher is high-authority, but they lack cross-source corroboration.
Topics: product, other; Editorial topic classification. Feeds into how the story surfaces on /topic/<slug> hub pages and into the per-entity coverage mix.
AI-industry relevance: Standard; On-topic for AI-industry coverage; kept in the public index.
Story freshness: 1 days old; Coverage has settled into its steady-state source set.

完整方法见我们的编辑标准。

Fortune TIER_1 English(EN) · Jeff John Roberts · 2026-10-22 12:00

SoFi becomes first consumer bank to launch tokenized deposits, offers 4.4% interest

The offering comes amid a growing debate over the merits of stablecoins vs tokenized deposits.