{ "version": 1, "event_id": "evt_32e57d5bdc0acd9b", "url": "https://xiyu.news/events/evt_32e57d5bdc0acd9b/", "json": "https://xiyu.news/api/events/evt_32e57d5bdc0acd9b.json", "type": "other", "status": "disputed", "category": "crypto", "title": { "zh": "⚡️SoFi推出计息代币化存款SoFi Earn", "en": "⚡️SoFi推出计息代币化存款SoFi Earn" }, "current_state": { "zh": "SoFi 已宣布计息代币化存款 SoFi Earn（SOFIE），年化 4.4%，在适用限额内受 FDIC 保险，预计 11 月向加密会员全面上线；SOFIE 可 1:1 兑换为 SoFiUSD，SoFiUSD 本身不属于 FDIC 保险存款。", "en": "SoFi has announced SoFi Earn (SOFIE), an interest-bearing tokenized deposit at 4.4% APY, FDIC-insured within applicable limits, with full rollout to crypto members expected in November; SOFIE is convertible 1:1 into SoFiUSD, which itself is not an FDIC-insured deposit." }, "first_seen_at": "2026-10-22T13:44:19.188344+00:00", "last_updated_at": "2026-10-22T13:44:19.188344+00:00", "last_material_change_at": "2026-10-22T13:44:19.188344+00:00", "confidence": 0.75, "updates_count": 2, "sources_count": 2, "entities": [ "earn", "sofi", "sofiusd" ], "identifiers": [], "topics": [ "fdic", "fdic-insurance", "sofi", "stablecoins", "tokenized-deposits" ], "updates": [ { "update_id": "upd_1cadf2709c91bf5e", "event_id": "evt_32e57d5bdc0acd9b", "occurred_at": "2026-10-22T12:03:02Z", "published_at": "2026-10-22T12:03:02Z", "first_seen_at": "2026-10-22T13:44:19.188344Z", "time_precision": "published", "update_type": "initial", "material_change": true, "title_zh": "⚡️SoFi推出计息代币化存款SoFi Earn", "title_en": "⚡️SoFi推出计息代币化存款SoFi Earn", "what_changed_zh": "SoFi 推出 SoFi Earn（SOFIE），这是一种计息代币化存款，年化收益率 4.4%，在适用限额内享有 FDIC 保险，可按 1:1 兑换为 SoFiUSD 稳定币，成为美国国民银行首个直接面向零售的代币化存款产品。", "what_changed_en": "SoFi launched SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, convertible 1:1 into the SoFiUSD stablecoin, marking the first direct retail tokenized-deposit offering by a US national bank.", "current_state_zh": "SoFi 推出 SoFi Earn（SOFIE），这是一种计息代币化存款，年化收益率 4.4%，在适用限额内享有 FDIC 保险，可按 1:1 兑换为 SoFiUSD 稳定币，成为美国国民银行首个直接面向零售的代币化存款产品。", "current_state_en": "SoFi launched SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, convertible 1:1 into the SoFiUSD stablecoin, marking the first direct retail tokenized-deposit offering by a US national bank.", "detailed_summary_zh": "SoFi launched SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, convertible 1:1 into the SoFiUSD stablecoin, marking the first direct retail tokenized-deposit offering by a US national bank.", "detailed_summary_en": "SoFi launched SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, convertible 1:1 into the SoFiUSD stablecoin, marking the first direct retail tokenized-deposit offering by a US national bank.", "background_zh": "", "background_en": "", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "", "market_impact_en": "", "importance_score": 7.5, "references": [], "confidence": 0.75, "story_ids": [ "telegram:theblockbeats:201885" ], "sources": [ { "url": "https://m.theblockbeats.info/flash/373226?from=telegram", "label": "theblockbeats", "source_type": "telegram", "official": false } ] }, { "update_id": "upd_f95afb19e5970980", "event_id": "evt_32e57d5bdc0acd9b", "occurred_at": "2026-10-22T12:06:54Z", "published_at": "2026-10-22T12:06:54Z", "first_seen_at": "2026-10-22T13:44:18.541347Z", "time_precision": "published", "update_type": "correction", "material_change": true, "title_zh": "【SoFi 将推出计息代币化存款产品 SoFi Earn，支持将存款转换为 SoFiUSD】", "title_en": "【SoFi 将推出计息代币化存款产品 SoFi Earn，支持将存款转换为 SoFiUSD】", "what_changed_zh": "报道澄清 SoFi Earn 是已宣布、预计 11 月全面上线，而非已完成全面推出；并补充 SOFIE 可按 1:1 兑换为 SoFiUSD、用于购买加密货币或转至外部钱包，且 SoFiUSD 本身不受 FDIC 保险。", "what_changed_en": "The report clarifies that SoFi Earn was announced with full rollout expected in November, rather than fully launched; it adds that SOFIE can be converted 1:1 into SoFiUSD for crypto purchases or external wallet transfers, and that SoFiUSD itself is not FDIC-insured.", "current_state_zh": "SoFi 已宣布计息代币化存款 SoFi Earn（SOFIE），年化 4.4%，在适用限额内受 FDIC 保险，预计 11 月向加密会员全面上线；SOFIE 可 1:1 兑换为 SoFiUSD，SoFiUSD 本身不属于 FDIC 保险存款。", "current_state_en": "SoFi has announced SoFi Earn (SOFIE), an interest-bearing tokenized deposit at 4.4% APY, FDIC-insured within applicable limits, with full rollout to crypto members expected in November; SOFIE is convertible 1:1 into SoFiUSD, which itself is not an FDIC-insured deposit.", "detailed_summary_zh": "SoFi announced SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, which members can convert 1:1 into the SoFiUSD stablecoin via SoFi Crypto to buy crypto or transfer to external wallets, with full rollout expected in November.", "detailed_summary_en": "SoFi announced SoFi Earn (SOFIE), an interest-bearing tokenized deposit paying 4.4% APY and FDIC-insured within applicable limits, which members can convert 1:1 into the SoFiUSD stablecoin via SoFi Crypto to buy crypto or transfer to external wallets, with full rollout expected in November.", "background_zh": "", "background_en": "", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "", "market_impact_en": "", "importance_score": 7.5, "references": [], "confidence": 0.94, "story_ids": [ "telegram:foresightnews:121076" ], "sources": [ { "url": "https://foresightnews.pro/news/h5Detail/115775", "label": "foresightnews", "source_type": "telegram", "official": false } ] } ] }