# SoFi

**Canonical:** https://apis.io/providers/sofi/  
**Website:** https://www.sofi.com/  
**APIs profiled:** 4

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.

## Kin Score — 49.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 49.0).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 57.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 42.3 |
| Commercial Clarity | 60.5 |
| Access Clarity | 60.5 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 33.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (4)

- **SoFi Partner Offer Pre-Qualification API** — 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, returnin...
- **SoFi Home Loan Affiliate Lead API** — 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/lea...
- **SoFi Business Banking API** — 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 ac...
- **SoFi Tech Solutions Platform API** — 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, car...

## MCP servers (1)

- **SoFi MCP Server**

## Agentic access (1)

- **Sofi Agentic Access** — 2 operations · 2 acting

## Security (2)

- **Sofi Authentication** — apiKey · 1 scheme
- **Sofi Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Sofi Plans Pricing**

## 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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/sofi/). Scores are computed from the provider's own public artifacts under a published rubric.