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Gemini vs SoFi

Compare rates, fees, access, and key features side by side.

Gemini

Gemini

Gemini Staking is a custodial staking service built into the Gemini exchange. It currently supports Ethereum, Solana, and Monad, with no stated minimu...

Score4.4
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VS
SoFi

SoFi

SoFi is a U.S.-based fintech and nationally chartered bank offering banking, investing, loans, credit cards and crypto services. SoFi has grown into o...

Score4.2
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General

Platform
Geminilogo
SoFilogo
Founded
Gemini2014
SoFi2011
Headquarters
GeminiNew York, NY
SoFiSan Francisco, CA
Availability
GeminiAvailable in supported jurisdictions; UK, EEA and Australia accounts closed effective 6 April 2026. Verify the specific location.
SoFiUS

Fees & Financial

Bonus
Gemini$50 in BTC when you trade $100
SoFi
Token
GeminiGUSD
SoFiSoFiUSD
Compounding
GeminiNo
SoFi--
Payouts
Gemini
SoFi
Fees
GeminiYes
SoFiGas fees
Lockup
GeminiNone
SoFi
Maker Fee
Gemini0.6
SoFi1.9
Taker Fee
Gemini1.2
SoFi1.9

Cryptocurrency Rates

BTC Rate
Gemini
SoFi
BTC Max
Gemini
SoFi
ETH Rate
Gemini3%
SoFi
ETH Max
Gemini
SoFi
Stablecoin Rate
Gemini
SoFi

Gemini

Review

Pros

  • No stated minimum balance for supported staking assets.
  • No separate transfer or redemption fee for staking.
  • ETH, SOL, and MON staking are managed from the existing Gemini account.

Cons

  • Gemini can retain up to 35% of protocol rewards as its staking service fee.
  • Only three assets are currently supported.
  • Rewards are distributed monthly, and assets may be unavailable during network unstaking.

SoFi

Review

Pros

  • Regulated, nationally chartered bank

Cons

  • SoFiUSD less universal than USDC/USDT
  • Yield products forthcoming