SoFi (Social Finance, Inc.) is a financial technology company founded in 2011 by Stanford Graduate School of Business students. Initially focused on student loan refinancing, SoFi has grown into a comprehensive digital financial services platform, operating as a branch-less bank with a national bank charter. As of 2025, it serves over 12 million customers.

SoFi offers a wide range of financial products and services, including student loan refinancing, personal loans, mortgages, investment options, and banking services with FDIC-insured accounts. The company also provides credit cards, an employee benefits program, a travel booking service, and a premium membership program. SoFi targets young professionals and recent graduates, fostering a community-based approach that connects alumni investors with borrowers. Its mission is to help members achieve financial independence by providing accessible and affordable financial solutions.