Legacy payment infrastructure acts as a toll booth on commercial capital. Every swipe, transfer, and settlement involves multiple intermediaries that extract fees and tie up liquidity in correspondent accounts. That friction creates an operational drag for businesses managing high-volume treasury flows. A structural shift is underway as modern digital rails integrate with traditional banking frameworks to streamline these processes.
SoFi Technologies, Inc. (NASDAQ: SOFI) bridged regulated commercial banking and real-time digital asset settlement by migrating its card program to a stablecoin-powered network. Operating under an Office of the Comptroller of the Currency national bank charter, SoFi Technologies is deploying SoFiUSD to bypass traditional clearinghouses.
