---
type: source
title: "SoFi launches enterprise banking on Solana; SBI Holdings selects Solana for stablecoin settlement"
author: "SolanaFloor Staff"
url: https://solanafloor.com/news/sofi-launches-big-business-banking-plans-leverage-solana-enterprise-fiat-stablecoin-banking
date: 2026-04-02
domain: internet-finance
secondary_domains: []
format: article
status: processed
processed_by: rio
processed_date: 2026-04-07
priority: medium
tags: [solana, stablecoins, institutional-adoption, sofi, banking, sbi-holdings, settlement, infrastructure]
extraction_model: "anthropic/claude-sonnet-4.5"
---

## Content

**SoFi enterprise banking on Solana (SolanaFloor April 2):**
SoFi, a licensed US bank with ~7 million members, is launching enterprise banking services leveraging Solana for fiat and stablecoin transactions. Goal: "One regulated platform to move and manage fiat and crypto in real time." SoFi is a federally chartered bank — this is a regulated banking institution choosing Solana as settlement infrastructure.

**SBI Holdings / B2C2 (SolanaFloor):**
SBI Holdings' B2C2 selected Solana as primary stablecoin settlement layer. B2C2 is one of the largest institutional crypto trading desks globally. SBI leadership: "Solana has earned its place as fundamental financial infrastructure." B2C2's settlement volume is substantial in institutional crypto markets.

**Solana network outperforming CEX trading volume:**
Solana outperformed leading centralized exchanges in trading volume (date not specified in available data). This is the first time on-chain Solana DEX volume exceeded major CEX volume — a structural milestone in the DeFi vs. CeFi competition.

## Agent Notes

**Why this matters:** SoFi is a federally chartered regulated bank choosing Solana as its settlement layer. This is categorically different from crypto-native institutions — a regulated bank with FDIC-insured deposits is building on Solana infrastructure for enterprise clients. Combined with B2C2 (institutional settlement), Visa South Korea (stablecoin payments), and Schwab (retail spot trading), the week of April 1-5 represents the strongest single-week cluster of TradFi institutions choosing crypto rails in Rio's research period.

**What surprised me:** SoFi is particularly notable because banks have been the primary source of resistance to crypto infrastructure (lobbying against stablecoin regulation, opposing crypto custody for banks). A regulated bank actively building on Solana signals that bank-vs-crypto framing is becoming less accurate — some banks are choosing to integrate rather than resist.

**What I expected but didn't find:** Whether SoFi is using USDC or another stablecoin. After the Circle/USDC freeze controversy (Drift hack), stablecoin choice is now a more important architectural decision.

**KB connections:**
- [[Internet finance is an industry transition from traditional finance where the attractor state replaces intermediaries with programmable coordination]] — regulated banks choosing crypto settlement infrastructure is the strongest evidence that the transition is happening at the settlement layer even before the programmable governance layer matures
- Slope reading: if regulated banks are now the demand-side for Solana settlement infrastructure, the slope toward programmable finance is steeper than Rio's previous assessments

**Extraction hints:**
- "Regulated banks adopting Solana as settlement infrastructure (SoFi H1 2026, B2C2 2026) represents the first wave of institutional infrastructure migration, preceding but enabling the programmable governance transition"

**Context:** The week of April 1-5 is notable for the convergence of institutional adoption signals (SoFi, B2C2, Visa, Schwab) occurring simultaneously with DeFi security incidents (Drift) and prediction market regulatory headwinds. The institutional adoption is happening at the settlement/infrastructure layer; the regulatory battles are happening at the product/governance layer. These are different layers with different timelines.

## Curator Notes
PRIMARY CONNECTION: [[Internet finance is an industry transition from traditional finance where the attractor state replaces intermediaries with programmable coordination and market-tested governance]]
WHY ARCHIVED: Regulated bank (SoFi) + institutional settlement (B2C2) choosing Solana in the same week as major DeFi exploit reveals settlement-layer adoption is decoupled from product-layer regulatory battles
EXTRACTION HINT: The settlement layer vs. product layer distinction is key — institutional adoption of crypto settlement infrastructure is on a different timeline than prediction market or governance regulatory clarity
