Crypto access / United States
One bank. Three different non-bank paths.
SoFi is the only licensed bank in this approved set with a documented integrated crypto account. Cash App is a financial platform, PayPal links a separate trust-company crypto account, and Coinbase is an exchange. “Crypto-friendly” does not make all four banks.
Direct answer
SoFi is the verified bank answer. The rest solve different jobs.
Choose SoFi when the requirement is a nationally chartered bank with checking, savings and a separately governed crypto account. Choose Cash App for a wallet-led Bitcoin flow, PayPal for linked-account crypto access, or Coinbase for an exchange-first workflow. The cash and crypto protection rules remain separate in every case.
Read the PayPal wallet and crypto reviewCheck PayPal to Coinbase by actionDefine friendly
Permission, integration, custody and banking are four different claims.
NeobankDB only uses the label after identifying the exact product and evidence. Generic ACH support or a regulator's permission for banks to offer custody is not a universal compatibility guarantee.
Integrated bank product
A bank itself supplies both the deposit relationship and a separate digital-asset service. SoFi meets this narrow definition in the current set.
Internal wallet flow
A payment platform lets an eligible user buy or hold crypto in the same interface. The platform still may not be a bank.
External funding route
An exchange accepts a rail such as ACH. That proves the exchange method, not a blanket promise from every sending bank.
Business crypto banking
Corporate operating accounts, institutional custody and retail trading are different markets. This page does not infer a business route from a personal product.
Verified US comparison
Change the job, not the evidence.
These controls only reorder approved market records. Legal entity, product class, protection wording, source date and confidence stay fixed.
Actual bank: Prioritises a licensed bank with a separate, explicitly documented crypto product.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| SoFiA bank deposit account and integrated custodial crypto access in one US app. | licensed digital bank with separate crypto account | available with personal eligibility | SoFi Bank, N.A. | Eligible checking and savings deposits are bank deposits; the crypto account and digital assets are not.The crypto account is personal only, not FDIC or SIPC insured, and uses displayed funding methods, fees and supported assets. | 3 source records | |
| Cash AppBitcoin and supported virtual-currency activity inside a payment-wallet workflow. | payment wallet with partner bank and virtual currency services | available with state and feature restrictions | Block, Inc. | Eligible cash may receive conditional partner-bank pass-through treatment; virtual currency does not.Cash App is not a bank. Crypto availability varies by state and virtual-currency holdings are not FDIC or SIPC insured. | 3 source records | |
| PayPalBuying, holding or transferring supported crypto through a linked PayPal account. | linked payment wallet and limited purpose trust crypto account | available with account and location conditions | PayPal Digital, Inc. for the Crypto Account | PayPal cash, a PayPal Digital Crypto Account and supported crypto assets have separate legal and protection treatment.PayPal and PayPal Digital are not presented as banks; crypto assets are not FDIC or SIPC insured. | 3 source records | |
| CoinbaseAn exchange-first workflow with ACH, debit, wire and PayPal methods where eligible. | crypto exchange and custodial wallet | available with state and product restrictions | Coinbase, Inc. | Eligible custodial cash and digital assets have different custody and protection arrangements.Generic ACH support is not proof that every named bank permits every Coinbase transaction; digital assets are not FDIC insured. | 2 source records |
SoFi
licensed digital bank with separate crypto account- Market status
- available with personal eligibility
- Legal entity
- SoFi Bank, N.A.
- Product note
- Checking and savings deposits and the personal SoFi Crypto Account are separate products from the same national bank.
- Protection model
- Eligible checking and savings deposits are bank deposits; the crypto account and digital assets are not.The crypto account is personal only, not FDIC or SIPC insured, and uses displayed funding methods, fees and supported assets.
View legal and product sources
Cash App
payment wallet with partner bank and virtual currency services- Market status
- available with state and feature restrictions
- Legal entity
- Block, Inc.
- Product note
- Cash App combines a cash wallet, conditional partner-bank arrangements and personal virtual-currency services under separate terms.
- Protection model
- Eligible cash may receive conditional partner-bank pass-through treatment; virtual currency does not.Cash App is not a bank. Crypto availability varies by state and virtual-currency holdings are not FDIC or SIPC insured.
View legal and product sources
PayPal
linked payment wallet and limited purpose trust crypto account- Market status
- available with account and location conditions
- Legal entity
- PayPal Digital, Inc. for the Crypto Account
- Product note
- The crypto account is supplied by PayPal Digital and linked to an eligible PayPal or Venmo account supplied under separate terms.
- Protection model
- PayPal cash, a PayPal Digital Crypto Account and supported crypto assets have separate legal and protection treatment.PayPal and PayPal Digital are not presented as banks; crypto assets are not FDIC or SIPC insured.
View legal and product sources
Coinbase
crypto exchange and custodial wallet- Market status
- available with state and product restrictions
- Legal entity
- Coinbase, Inc.
- Product note
- Coinbase supports US crypto trading and custody plus specified cash funding methods; it is not a bank account.
- Protection model
- Eligible custodial cash and digital assets have different custody and protection arrangements.Generic ACH support is not proof that every named bank permits every Coinbase transaction; digital assets are not FDIC insured.
View legal and product sources
0 selected locally.No matching comparison is published
Route evidence
Follow the money one direction at a time.
Each card states what the official source actually supports and where the evidence stops. A route can still be delayed, reviewed, limited or rejected.
SoFi checking or savings → SoFi Crypto
Supported with account and method conditionsThe current agreement allows a connected SoFi checking or savings account as one available funding method. Crypto remains a separate, uninsured account.
SRC-SOFI-CRYPTO-AGREEMENTCash App balance or displayed funding source → Cash App virtual currency
Supported with settlement and location conditionsCash App documents personal virtual-currency services and may provisionally credit an external funding pull before final settlement.
SRC-CASH-APP-US-TERMSEligible PayPal account → PayPal Digital Crypto Account
Supported with linked-account conditionsThe crypto contract is with PayPal Digital, while the linked PayPal or Venmo account remains governed by its own provider terms.
SRC-PAYPAL-US-CRYPTO-TERMSEligible US bank account → Coinbase by ACH
Generic method supported; named-bank compatibility not provenCoinbase lists ACH for US customers. A specific bank can still apply its own account, fraud, source-of-funds or crypto policy.
SRC-COINBASE-PAYMENT-METHODSProtection ledger
Deposit insurance stops at the deposit boundary.
A bank can offer a crypto service without turning digital assets into insured deposits. Partner-bank or custodial-cash arrangements also do not insure crypto holdings.
SoFi Checking and Savings
The official product identifies SoFi Bank, N.A. as Member FDIC. Ownership category, aggregation and any deposit-program conditions still apply.
SoFi Crypto
The agreement says the crypto account is not a deposit or bank account and its digital assets are not FDIC or SIPC insured.
Cash App
Eligible cash balances can receive pass-through treatment through named banks when the stated account and recordkeeping conditions are met. Bitcoin is excluded.
PayPal Digital
PayPal Digital supplies the Crypto Account. Supported crypto assets remain uninsured and separate from the linked PayPal cash-account terms.
Coinbase cash
Eligible custodial cash can use stated financial-institution arrangements. Coinbase itself is not an FDIC-insured bank.
Check Coinbase cash out to a linked bankCoinbase digital assets
Digital assets use custodial-wallet terms and are not covered by FDIC or SIPC protection.
Explicit boundaries
Two names are not current US crypto options here.
Revolut's United States legal page says Revolut Technologies Inc. has not offered crypto services since 3 October 2023. Wise says its account cannot be used for outgoing transfers to crypto platforms such as Coinbase. Neither record is softened into “maybe friendly.”
Availability in another Revolut market is not copied into the United States.
Read the market-aware Revolut to Coinbase routeCard rules can differ, but they do not reverse the outgoing account-transfer result.
Read the Wise to Coinbase routeFee state
The preview matters more than a remembered percentage.
Crypto cost can combine a transaction fee, spread, network charge, payment-method cost or subscription. Only dated, product-specific evidence is shown.
SoFi Crypto
$0 opening and monthly maintenance feeTransaction fees, spreads and transfer charges are disclosed before authorisation. Funding methods and supported assets may change.
Cash App
Order-preview pricingBuy, sell, conversion and network charges depend on the transaction and are shown at or before the order; no universal static rate is published here.
PayPal Digital
Tiered transaction fee plus spreadThe current consumer schedule lists tiered fees and no holding fee, but its displayed revision date is older than the crypto contract. Confirm the live preview.
Coinbase
Not normalised on this pageTrading, subscription, network and payment-method costs are product-specific. Review the live order and applicable agreement before authorising.
Eligibility and controls
Available does not mean every person, state, asset or transaction.
SoFi Crypto requires an eligible adult US individual and is not a business account. Cash App virtual currency is personal and location-dependent. PayPal supports eligible consumer and business crypto accounts with linked-account conditions. Coinbase features vary by location and account type.
- 01Confirm residence, age, identity and taxpayer information.
- 02Check the exact product, legal entity and account type.
- 03Verify the asset, network, direction and displayed funding method.
- 04Review holds, limits, source-of-funds and fraud controls.
- 05Read the final price and destination before authorising.
Research-only bank names
Varo and Chime are not promoted without a provider-specific crypto route.
A bank or banking fintech can be available in the United States while its crypto compatibility remains unverified. Absence of approved evidence is not evidence of a ban.
Varo
No approved provider-specific source in the current registry proves integrated crypto, a named exchange route or a published prohibition for this page.
us chartered national digital bankChime
No approved provider-specific source in the current registry proves integrated crypto, a named exchange route or a published prohibition for this page.
us banking fintech partner bank deposit platformSource ledger
Every published label can be opened and checked.
Sources were observed through 12 July 2026. Product, state, fee, partner, custody and transfer policies require launch-time and material-change reverification.
SoFi US crypto source drawer
SoFi is displayed as licensed digital bank with separate crypto account.
- The OCC approved SoFi Bank, N.A. as a full-service national bank and identified the acquired bank as FDIC insured.
- The 2022 approval carried an initial crypto-activity condition; current crypto capability is established separately by SoFi Bank's May 2026 Crypto Account Agreement.
- SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
- Opening either the cited checking or savings account also opens the other account under the current product presentation.
- The deposit product and its insurance treatment are separate from the SoFi Crypto Account, investments, loans and digital assets.
- The agreement is with SoFi Bank, National Association and is effective 27 May 2026.
- Eligible individuals may buy, sell and hold supported digital assets and may fund from a connected SoFi checking or savings account or another displayed method.
- The SoFi Crypto Account is not a deposit or bank account; digital assets and supported stablecoins are not FDIC or SIPC insured.
- The account is personal only, has no opening or monthly maintenance fee, and transaction fees or spreads are disclosed before authorisation.
Cash App US crypto source drawer
Cash App is displayed as payment wallet with partner bank and virtual currency services.
- The agreement is with Block, Inc. and describes Cash App as a financial platform, not an FDIC-insured bank.
- Eligible cash and savings balances may receive conditional pass-through insurance through Wells Fargo, Sutton and/or The Bancorp when Card or Sponsored Account conditions and FDIC requirements are met; pending, Bitcoin and investing balances are excluded.
- Personal virtual-currency services require an eligible US-resident individual and may vary by state, territory, account and feature.
- The terms list a USD 1 Paper Money Deposit fee after 29 June 2026, conditional Cash App Green benefits, risk-based limits, free-overdraft conditions and account error-resolution channels.
- Block, Inc. provides Cash App virtual-currency services, with availability and licensing varying by state or territory.
- Virtual-currency holdings are not protected by FDIC or SIPC and transactions can be irreversible.
- Applicable purchase, sale, conversion and network fees are displayed at or before the order rather than treated as one universal rate.
- Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
- Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
- If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
PayPal US crypto source drawer
PayPal is displayed as linked payment wallet and limited purpose trust crypto account.
- The agreement is with PayPal, Inc., applies to US accounts and was last updated on 29 June 2026.
- A business must be organised in, operating in or resident in the United States or a territory, and business activity requires a business account.
- Ordinary business-account balances are unsecured claims against PayPal; PayPal is not a bank and is not FDIC insured.
- A narrow Program Bank arrangement can apply when an enumerated programme condition is met; it is not a general business-balance protection claim.
- The agreement separates free standard transfer to an eligible linked bank or debit card from fee-bearing Instant Transfer to an eligible linked bank or debit card for personal and business accounts.
- The current terms, last updated 19 May 2026, are with PayPal Digital, Inc., a New York limited purpose trust company.
- Eligible consumer and business crypto accounts may buy, sell, hold, send and receive supported crypto assets through a linked PayPal or eligible Venmo account.
- Crypto assets are not FDIC or SIPC insured and product features may vary by location and linked-account type.
- The current US consumer schedule lists tiered buy, sell and conversion fees plus a conversion spread.
- Holding is listed without a fee; external transfers can add variable network and transaction charges.
- The page identifies its schedule as last updated 19 May 2025, so users should confirm the order preview before authorising.
Coinbase US crypto source drawer
Coinbase is displayed as crypto exchange and custodial wallet.
- The individual agreement is with Coinbase, Inc. and was last updated on 29 June 2026.
- Coinbase is not an FDIC-insured bank; eligible custodial cash and digital assets have different custody and protection treatment.
- Digital assets are not FDIC or SIPC insured, while conditional pass-through treatment may apply only to eligible custodial cash held at specified institutions.
- Coinbase eligibility, services and supported assets can vary by location and product.
- The US methods table lists ACH, debit card, wire and PayPal with different buy, add-cash, cash-out and timing capabilities.
- Generic ACH support does not prove that every bank or fintech permits a specific transfer; provider-specific terms remain a separate evidence gate.
US bank authority and deposit-protection sources
- The OCC confirms that national banks and federal savings associations may provide or outsource permissible crypto custody and execution services subject to law and appropriate risk management.
- Permissible authority is not proof that every bank offers a retail crypto product or accepts every exchange transfer.
- FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
- Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
- Balances at the same insured bank in the same ownership category are aggregated.
- Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
- Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
- If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
Unsupported and unavailable route sources
- Revolut states that Revolut Technologies Inc. has not offered cryptocurrency services in the United States since 3 October 2023.
- Crypto availability in another Revolut market must not be copied into the United States record.
- Wise account cannot be used to send money to crypto exchanges such as Coinbase or Binance.
- Wise card policy differs and lawful card transactions may be supported by region.
- Outgoing account transfers to crypto platforms are not supported.
- Article names Coinbase among payments Wise cannot accept from in the described context.
Not claimed
- A universal ranking of every US bank.
- Compatibility between Coinbase and every named bank.
- FDIC or SIPC protection for crypto assets, stablecoins or exchange balances.
- Business-account eligibility from a personal crypto product.
- Tax, legal, investment or security advice.
- Approval, uninterrupted access or recovery of an irreversible transfer.