SoFi Technologies (SOFI.O) 周四推出了一款“代币化存款”产品，让客户能够为预留用于加密货币购买的现金赚取利息，同时享受类似于传统银行存款的保护。
Technologies (SOFI.O) on Thursday launched a "tokenized deposit" product that lets customers earn interest on cash set aside for crypto purchases, while offering protections similar to those of a traditional bank deposit.
存放在 SoFi Earn 账户中的现金将产生 4.2% 的年化利息，并由联邦存款保险公司承保，该机构在银行倒闭时保护每位存款人高达 25 万美元的合格存款。
Cash held in a SoFi Earn account will generate 4.2% annual interest and be insured by the Federal Deposit Insurance Corporation, which protects eligible deposits of up to $250,000 per depositor if a bank fails.
“数字资产生态系统中有太多资金处于闲置状态，让数百万人的巨大潜在收益白白流失，”SoFi 首席执行官 Anthony Noto 对路透社表示。
"Too much money in the digital asset ecosystem is sitting idle, leaving massive potential earnings on the table for millions of people," SoFi CEO Anthony Noto told Reuters.
该产品使 SoFi 进入了一个历史上由非银行加密货币公司主导的领域。近年来，指定用于加密货币交易的资金通常存放在计息稳定币中，让投资者在保持资金随时可用的同时赚取收益。
The product moves SoFi into a space historically dominated by non-bank crypto firms. In recent years, funds earmarked for crypto trading were often parked in interest-bearing stablecoins, giving investors a way to earn yield while keeping money ready to deploy.
在去年签署的《GENIUS 法案》禁止稳定币发行方支付利息后，这一模式面临压力，为银行通过代币化存款等产品提供受监管的计息替代方案创造了机会。
That model has come under pressure after the GENIUS Act, signed last year, barred stablecoin issuers from paying interest, creating an opening for banks to offer regulated, interest-bearing alternatives through products such as tokenized deposits.
SoFi Earn 还将允许用户直接购买加密货币或将资金转移到另一个平台。
SoFi Earn will also let users buy crypto directly or transfer funds to another platform.
“主要机会在于那些已经参与加密货币并希望这些资金持续增值且随时可动用的人群，”Noto 表示。
"The primary opportunity is with people who already participate in crypto and want that money to keep working and ready to move," Noto said.
传统金融机构正在开发产品以切入加密货币市场，理由是银行发行的替代品比非银行实体发行的稳定币提供更强的监管监督。
Traditional financial institutions are developing products to tap the crypto market, arguing that bank-issued alternatives offer greater regulatory oversight than stablecoins issued by non-bank entities.
9 月，包括高盛 (GS.N)、美国银行 (BAC.N)、花旗 (C.N) 和德意志银行 (DBKGn.DE) 在内的 21 家金融机构组成的一个小组表示，他们计划今年成立一家公司，在 2027 年上半年发行一种与美元挂钩的加密货币。
In September, a group of 21 financial institutions including Goldman Sachs (GS.N), Bank of America (BAC.N), Citi (C.N) and Deutsche Bank (DBKGn.DE), said they planned to create a company this year to issue a dollar-pegged cryptocurrency in the first half of 2027.
“在未来一年左右的时间里，你将看到一个拐点。将传统金融搬上链是一项浩大的工程，但我认为经济驱动力实在太强劲了，以至于这已成定局，”数字资产金融公司 Spark 首席执行官 Sam MacPherson 表示。
"Over the next year or so, you're going to see an inflection point. It is a big effort to move traditional finance on chain, but I think the economic drivers are just so powerful that it's inevitable," said Sam MacPherson, CEO at digital asset finance firm Spark.