SoFi Earn (SOFIE): $1 tokenized deposit at SoFi Bank, 4.40% APY, FDIC-insured to applicable limits. Convert 1:1 to SoFiUSD (SOFID) for crypto purchase or on-chain transfer 24/7. SOFIE is not a payment stablecoin; digital assets except SOFIE are not FDIC insured.