SoFi Business Banking API

aid: sofi:sofi-business-banking-api
name: SoFi Business Banking API
tags:
- Business Banking
- Commercial Payments
- Real-Time Payments
- Embedded Finance
- Sponsor Banking
- United States
humanURL: https://docs.sofi.com/business-banking/docs
properties:
- url: https://docs.sofi.com/business-banking/docs
  type: DeveloperPortal
- url: https://www.sofi.com/business-banking/commercial/
  type: Documentation
- url: https://investors.sofi.com/news/news-details/2026/SoFi-Launches-Big-Business-Banking-to-Power-Fiat-and-Crypto-Banking-on-a-Single-Regulated-Platform/default.aspx
  type: Documentation
description: SoFi Business Banking (marketed as Big Business Banking) is SoFi Bank, N.A.'s API-driven
  commercial platform combining a nationally chartered bank with direct Federal Reserve access to move
  money in real time, 24/7/365, in fiat, SoFiUSD, or selected digital assets. It powers commercial payment
  services - debit, prepaid, ACH, and wire - for sponsor-banking partners, built on Galileo's Cyberbank
  Core. SoFi publishes first-party developer documentation for this platform at docs.sofi.com (which resolves
  to a ReadMe-hosted Business Banking docs project); the reference is HTML-only with no publicly downloadable
  OpenAPI/Swagger spec confirmed, so it is listed humanURL-only and partner onboarding is gated (bbb@sofi.org).
  Digital-asset capabilities are subject to legal, regulatory, and operational approval per SoFi's own
  disclosures.