SoFi

aid: sofi
url: https://raw.githubusercontent.com/api-evangelist/sofi/refs/heads/main/apis.yml
apis:
- aid: sofi:sofi-partner-offer-api
  name: SoFi Partner Offer Pre-Qualification API
  tags:
  - Lending
  - Personal Loans
  - Student Loan Refinancing
  - Prequalification
  - Partner API
  - United States
  humanURL: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/documentation/7686555-548d8800-0df1-4783-8450-aade8b8a39e4
  baseURL: https://www.sofi.com
  properties:
  - url: openapi/sofi-partner-offer-api-openapi.yml
    type: OpenAPI
  - url: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/documentation/7686555-548d8800-0df1-4783-8450-aade8b8a39e4
    type: Documentation
  - url: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/collection/orw4s7j/affiliate-prequal-offers
    type: Postman
  description: SoFi's partner-offer-api (documented as Partner Offer Pre Qual V2) is a real, first-party external REST API
    that exposes SoFi's underwriting model to approved partners, returning real-time Personal Loan (PL) and Student Loan Refinancing
    (SLR) offers based on user-entered criteria via a single POST /po/api/v2/loan-offer/json endpoint. User-entered criteria
    can be saved to pre-populate a SoFi loan application when an offer is selected on the partner's site, and a 2021 release
    added specialty SLR handling for Medical and Dental graduate programs. Authentication is by API key / UUID (one per product
    type, PL or SLR) passed as the accountId in the JSON body, over HTTPS only; testing uses base URL https://dev-external-0.sofitest.com
    and production uses https://www.sofi.com. Endpoint, method, base URLs, auth model, and response codes were harvested faithfully
    from SoFi's public Postman workspace (team-sofi / sofi-api).
- aid: sofi:sofi-home-loan-affiliate-lead-api
  name: SoFi Home Loan Affiliate Lead API
  tags:
  - Mortgage
  - Home Loans
  - Affiliate
  - Lead Generation
  - Partner API
  - United States
  humanURL: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/documentation/11106810-0d3f9390-b6f2-4100-891d-977691e36fc2
  baseURL: https://www.sofi.com
  properties:
  - url: openapi/sofi-home-loan-affiliate-lead-api-openapi.yml
    type: OpenAPI
  - url: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/documentation/11106810-0d3f9390-b6f2-4100-891d-977691e36fc2
    type: Documentation
  - url: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/documentation/5k2lj48/home-loan-affiliate-lead-api
    type: Postman
  description: SoFi's Home Loan Affiliate Lead API is a real, first-party REST endpoint that lets approved affiliate partners
    submit home-loan leads to SoFi via POST /afpq/api/v1/affiliate/lead/home-loan. The documented Create Lead operation is
    a subset of a broader affiliate endpoint set for sending leads and retrieving product offerings by criteria; a successful
    submission (HTTP 201) returns a sofiAffiliateLeadId and a CREATED status that partners are advised to persist. Environment-specific
    accountId values authenticate requests (QA base https://dev-external-0.sofitest.com, production base https://www.sofi.com).
    Endpoint, method, base URLs, and response codes were harvested faithfully from SoFi's public Postman workspace (team-sofi
    / sofi-api); the source material is marked confidential and proprietary to Social Finance, Inc.
- 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.
- aid: sofi:sofi-tech-solutions-platform-api
  name: SoFi Tech Solutions Platform API
  tags:
  - Banking-as-a-Service
  - Card Issuing
  - Payment Processing
  - Embedded Finance
  - Core Banking
  - United States
  humanURL: https://docs.tech.sofi.com/pro/reference/program-api-intro
  properties:
  - url: https://docs.tech.sofi.com/pro/reference/program-api-intro
    type: DeveloperPortal
  - url: https://tech.sofi.com/platform/open-apis/
    type: Documentation
  - url: https://sandbox.gpsrv.com/auth/login
    type: Sandbox
  description: SoFi Tech Solutions (formerly Galileo Financial Technologies, a SoFi company) is SoFi's B2B fintech platform
    arm, exposing cloud-native RESTful APIs - Program API (accounts, cards), Config API, Dispute API, Loan API, Payment Hub
    API, Risk/Auth APIs, Events webhooks, and External Transactions - across Cyberbank Core, Cyberbank Digital, Card Issuing
    & Payment Hub, Secured Credit, and the Payment Risk Platform, with 250+ documented methods and a sandbox at sandbox.gpsrv.com.
    It is surfaced here as SoFi's first-party developer platform (docs at docs.tech.sofi.com); the deep, one-per-resource
    API coverage is maintained separately in the api-evangelist/galileo-fs repository to avoid duplication, since this is
    the Galileo/SoFi Tech Solutions processor surface.
name: SoFi
tags:
- Personal Finance
- Banking
- Lending
- Student Loans
- Mortgages
- Investing
- Credit Cards
- Fintech
- Open Banking
- Digital Banking
- Banking-as-a-Service
- Partner API
- Business Banking
- United States
kind: Index
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/sofi.png
access: 3rd-Party
common:
- type: AgenticAccess
  url: agentic-access/sofi-agentic-access.yml
- type: Authentication
  url: authentication/sofi-authentication.yml
- type: DomainSecurity
  url: security/sofi-domain-security.yml
- type: Website
  url: https://www.sofi.com/
- type: Documentation
  url: https://www.sofi.com/blog/
- type: DeveloperPortal
  url: https://docs.sofi.com/business-banking/docs
- type: Postman
  url: https://www.postman.com/sofi-api/team-sofi-s-public-workspace/
- type: LinkedIn
  url: https://www.linkedin.com/company/sofi
- type: Blog
  url: https://www.sofi.com/blog/
- type: Pricing
  url: https://www.sofi.com/sofi-plus/
- type: StatusPage
  url: https://sofi.statuspage.io
- type: X
  url: https://twitter.com/SoFi
- type: Plans
  url: plans/sofi-plans-pricing.yml
- type: RateLimits
  url: rate-limits/sofi-rate-limits.yml
- type: FinOps
  url: finops/sofi-finops.yml
- type: TermsOfService
  url: https://www.sofi.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.sofi.com/privacy-policy
- type: Support
  url: https://support.sofi.com/hc/en-us
- type: ErrorCatalog
  url: errors/sofi-problem-types.yml
- type: Conventions
  url: conventions/sofi-conventions.yml
- type: Lifecycle
  url: lifecycle/sofi-lifecycle.yml
- type: Conformance
  url: conformance/sofi-conformance.yml
- type: MCPServer
  url: mcp/sofi-mcp.yml
- type: Sandbox
  url: sandbox/sofi-sandbox.yml
- type: LLMsTxt
  url: llms/sofi-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/sofi-partner-offer-api-overlay.yaml
- type: Overlay
  url: overlays/sofi-home-loan-affiliate-lead-api-overlay.yaml
- type: Features
  data:
  - Digital personal finance platform covering banking, lending, investing, and insurance
  - SoFi Money combined checking and savings with high-yield APY (4.50% for Plus members)
  - Personal loans from $5,000 at fixed rates starting at 6.99% APR
  - Student loan refinancing with fixed rates from 3.99% APR with autopay
  - Private student loans with no origination, late, or NSF fees
  - Mortgage, home equity loan, and HELOC products
  - SoFi Invest for stocks, ETFs, fractional shares, crypto, IPOs, and automated investing
  - SoFi Credit Card with cash back rewards and Smart Card with 5% grocery cash back
  - SoFi Plus premium membership at $10/month with enhanced rates and rewards
  - Open banking connectivity via Plaid and Finicity (Mastercard) aggregators
  - SoFi Relay credit score monitoring and financial tracking dashboard
  - Galileo Financial Technologies subsidiary powering white-label fintech infrastructure APIs
  - 100% uptime across Bot, Site, Payment, and Backend services (90-day tracked)
  - SoFi Coach AI-powered financial planning tool
  - Unlimited financial planner appointments for SoFi Plus members
  sources:
  - https://www.sofi.com/
  - https://www.sofi.com/sofi-plus/
  - https://www.openbankingtracker.com/provider/sofi
  - https://sofi.statuspage.io
  updated: '2026-06-13'
created: '2026-06-13'
modified: '2026-07-23'
position: Consuming
description: 'SoFi (Social Finance) is a digital personal finance company and federally chartered bank offering an integrated
  suite of financial products including banking (checking and savings), personal loans, student loan refinancing, private
  student loans, mortgages, home equity products, active and automated investing, cryptocurrency trading, and credit cards.
  The platform is unified through the SoFi app and complemented by a SoFi Plus premium membership ($10/month) that unlocks
  enhanced APY, investment matching, loan rate discounts, and unlimited financial planner access. Third-party integration
  with SoFi accounts is facilitated through open banking aggregators Plaid and Finicity (Mastercard Open Banking) for consumer-permissioned
  data access. SoFi''s subsidiary Galileo Financial Technologies provides the underlying fintech infrastructure and white-label
  banking APIs used by major fintech brands globally. SoFi does not publish a first-party consumer-facing open-banking API;
  consumer account access is aggregator-only (Plaid, Finicity, MX, Akoya). Its real first-party public API surface is B2B/partner-oriented:
  two documented REST APIs in SoFi''s public Postman workspace (a Partner Offer Pre-Qualification API exposing SoFi''s PL/SLR
  underwriting model, and a Home Loan Affiliate Lead API), a Business Banking developer-docs project at docs.sofi.com, and
  the SoFi Tech Solutions (formerly Galileo) platform at docs.tech.sofi.com.'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
specificationVersion: '0.19'