SoFi

4,500 Total Employees

Year Founded: 2011

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SoFi Innovation & Technology Culture

SoFi Employee Perspectives

What’s your rule for fast, safe releases — and what KPI proves it works?

Code coverage is a single most important metric for assessing code health. It is a measure of how well our code has been covered with unit tests. Mobile repo has over 150 developers, and we merge over 25 changes each day. Unit tests provide the first level of defense and are a primary contributor to our stable, safe releases. Even though our code now has over 2 million lines of dart code, we have been shipping consistently to app stores every week for the past two years.

Which standard or metric defines “quality” in your stack?

Crash-free sessions: Crashes happen on mobile apps when the app gets into an unexpected state and it cannot provide accurate information for the member. The app closes suddenly. We track this metric pretty diligently, and it has been stellar in our Flutter app. Over the past three months, we have had 99.99 percent and 99.98 percent crash-free sessions on iOS and Android respectively, even though our app gets more than 1 million daily active users.

Name one recent AI/automation shipped and its impact on the team or business.

The mobile team has adopted a newer testing framework, using Mocktail over Mockito to reduce overhead of mock files. Conversion from Mockito to Mocktail is straightforward but tedious, so we create a comprehensive AI skill/Mockito-to-Mocktail that can take in a single file or multiple files and convert them correctly.

We iterated on this skill with many examples and edge cases, and now we have 98 percent percent confidence that any given test file can easily be converted. This skill has helped the team reduce our tech debt and increase code quality.

Satya Malugu, Staff Software Engineer

From the article: How These Tech Teams Ship Faster Without Compromising Quality

What People Are Saying About SoFi

Innovation Operating Model: Vertically integrating Galileo and Technisys gives SoFi end‑to‑end control of core banking and issuing, enabling faster feature shipping and the ability to sell tech‑as‑a‑service. Owning both a national bank and the rails is rare among consumer‑facing fintechs and supports simultaneous B2C and B2B innovation.
Emerging Technology Adoption: SoFi embedded crypto trading inside its nationally chartered bank app, introduced a fully reserved stablecoin (SoFiUSD), and launched blockchain‑enabled payments alongside 24/7 FedNow transfers. These moves extend to enterprises via “Big Business Banking,” unifying fiat and selected crypto on a regulated platform.
Differentiated Market Position: Being the first nationally chartered, FDIC‑insured U.S. bank to offer in‑app crypto and launching an enterprise fiat–crypto platform set SoFi apart from peers. Combining a bank charter with a vertically integrated stack and early regulated crypto access creates a distinctive footprint versus neobanks and incumbents.