What AI research, patents and partnerships does SoFi have?
SoFi's public AI patent record is one family: US 11,928,730 B1, 'Training machine learning models with fairness improvement', granted March 12, 2024 to Social Finance, Inc. dba SoFi for credit and loan decisions, with a continuation published December 5, 2024 that Google Patents lists as abandoned. Most of its AI comes from acquisitions and vendors. It bought Galileo ($1.2 billion, 2020) and Technisys (2022), whose Cyberbank Konecta conversational engine runs SoFi's support chat, and Composer Securities, which became Composer by SoFi in June 2026. Named vendors: Oscilar for credit, collections and fraud decisioning; Poetic, whose agents run fraud investigations and in whose $50 million Series A OpenAI took part; Socure for identity and first-party-fraud data; and, in engineering, Claude on Amazon Bedrock, Gitar.ai and Cequence. Galileo joined the AWS Partner Network in October 2025. SoFi has disclosed no contract with OpenAI or Anthropic for member-facing AI; its links to frontier labs are private-market funds that members can buy.[1][2][3][4][5][6][7][8][9][10][11][12]
Data as of Oct 16, 2026 · SoFi profile updated Oct 13, 2026 · 24 sources cited on this page · 140 banks profiled on this site · Markdown
Which AI patents does SoFi hold?
From Google Patents. Galileo's older patents sit under Galileo Processing, Inc. and cover payments, not AI.
| Number | Title | Status | Date |
|---|---|---|---|
| US 11,928,730 B1 | Training machine learning models with fairness improvement (credit and loans; inventors Feng, Liu, Bedi, Webster; filed May 30, 2023) | Granted | March 12, 2024[1] |
| US 2024/0403952 A1 | Continuation of the fairness patent; listed as abandoned | Published application | December 5, 2024[2] |
| Fairness patent in use? | SoFi has not said whether the fairness-constrained training runs in production | Not disclosed | 2026[1] |
Which AI companies has SoFi bought or partnered with?
| Company | Type | What it brings | Date |
|---|---|---|---|
| Galileo | Acquisition | Payments processing platform; Noto says SoFi 'wouldn't be where it is today' without it; joined the AWS Partner Network in October 2025 | 2020 ($1.2 billion)[3][11] |
| Technisys (Cyberbank Konecta) | Acquisition | Cloud core banking; Konecta conversational AI engine 'powered by deep learning models' in SoFi's member support | 2022[3][4] |
| Composer Securities | Acquisition | AI investing platform relaunched as Composer by SoFi: plain-English strategies, back-testing, automated execution | June 23, 2026[5][6] |
| Oscilar | Vendor | AI risk decisioning for credit underwriting, collections and fraud; SoFi's Adam Colclasure quoted | June 3, 2026[7] |
| Poetic | Vendor | AI agents executing fraud investigations end-to-end; OpenAI invested in Poetic's Series A | June 10, 2026[8] |
| Socure | Vendor | Identity verification; SoFi a founding member of Socure's first-party fraud consortium | December 5, 2024[9][13] |
| Anthropic Claude (via Amazon Bedrock) | Model provider (engineering) | In-house merge-review bot and agentic test loops in the mobile monorepo | July 6, 2026[10] |
| Gitar.ai and Cequence | Engineering vendors | AI code review and CI fixing; MCP authentication and proxy management | July 6, 2026[10] |
Does SoFi work with OpenAI or Anthropic?
Only indirectly. Engineering uses Claude through Amazon Bedrock. OpenAI's link is as an investor in Poetic, SoFi's fraud-agent vendor, in a $50 million Series A at a $500 million valuation in June 2026.[10][8]
For members, SoFi distributes private-market funds with exposure to AI companies: a Cosmos Fund class with sole Anthropic exposure (April 2025), a Templum window in OpenAI and Perplexity (March 2026), and CAZ Investments and AngelList funds (August 2026).[14][15][12]
The Coach FAQ says SoFi 'works with AI providers' under data-use limits but does not name them, so the model behind member-facing Coach is not on the record.[16]
What does the SoFi profile record on this topic?
The rows below are the entries of the SoFi AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 35 dated moves, 17 use cases and 47 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Composer by SoFi | Natural-language creation, back-testing and automated execution of investment strategies. | In production | [5][17] |
| AI fraud investigations (Poetic) | Vendor AI executes fraud investigations end-to-end with auto-decisioning; 99%+ quality reported within five weeks. | In production | [8] |
| Socure identity verification and fraud prevention | Socure named SoFi a marquee customer in 2021 and a founding member of its First-Party Fraud Consortium in December 2024, and its company page still lists SoFi among organisations using it; SoFi has not described the deployment. | In production | [13][9][18] |
| Oscilar AI risk decisioning for credit strategy | SoFi selected Oscilar to unify credit underwriting, collections and fraud decisioning; Oscilar reports 50% faster deployment of credit-risk strategies and 30%+ faster decisioning, and Noto says SoFi is testing new credit-model features on enhanced data pools. | In production | [7][19] |
| Fairness-constrained ML training (patent) | US 11,928,730 B1 describes training machine-learning models with a fairness improvement for financial decisions such as credit; SoFi has not said whether it runs in production. | Announced | [1][2] |
| Claude-based code review and agentic test loops | An in-house review bot on Claude on Bedrock, Claude iterating tests to 80% coverage, repo-level skills and AGENTS.md files, and an MCP wrapper for internal tools; the blog says LLM tools are now 'indispensable' in mobile workflows. | In production | [10] |
| Composer: AI builds strategies, fixed rules execute them | SoFi says Composer uses AI to help investors build rules-based strategies that then run automatically under predefined weights, conditions and filters, rather than letting an agent make continuous trading decisions. | In production | [20][5] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Aug 6, 2026 | Q2 10-Q: Composer and Peach acquisitions closed | Composer (AI investing in 'everyday language') joins Financial Services; Peach Finance's loan-servicing platform joins the Technology Platform, which also sells a conversational AI engine and an AI/ML payment-risk platform. | [6] |
| Aug 5, 2026 | SoFi adds private-market funds that may hold OpenAI and Anthropic | CAZ Investments and AngelList Asset Management funds with exposure to AI, fintech and defence; SoFi had added a Cosmos Fund class with sole Anthropic exposure on 22 April 2025. | [12][14] |
| Jul 6, 2026 | Engineering blog names Claude, Gitar.ai and Cequence | An in-house merge-review-bot runs on Claude on Bedrock, Claude iterates tests to 80% coverage, Gitar.ai reviews merge requests, and Cequence handles MCP authentication across a monorepo with more than 150 contributors and weekly releases. | [10] |
| Jun 23, 2026 | Composer by SoFi launched after acquisition | Natural-language strategy creation, back-testing and automated execution. | [5][17] |
| Jun 10, 2026 | OpenAI invests in Poetic, SoFi's fraud-agent vendor | OpenAI is among the investors in Poetic's $50 million Series A at a $500 million valuation; the release names SoFi as a deployment. | [8] |
| Jun 10, 2026 | Poetic's AI agents run SoFi fraud investigations | The vendor says it reached 99%+ quality executing fraud investigations end-to-end at SoFi in five weeks; the CEO cites auto-decisioning that restores member access 'right away'. | [8] |
| Jun 3, 2026 | Oscilar names SoFi in its AI Agent Hub launch | Oscilar reports SoFi cut time-to-market for credit-risk strategies by 50% using its Workflow Generator Agent and improved decisioning speed by more than 30%. | [7] |
| Mar 5, 2026 | Templum window gives SoFi members OpenAI and Perplexity exposure | A 5 to 30 March 2026 Cosmos Fund offering for accredited SoFi members; Templum states it has no affiliation with OpenAI, Perplexity AI or Colossal Biosciences. | [15] |
| Dec 5, 2024 | Founding member of Socure's first-party fraud consortium | Socure named SoFi among the fintech founding members of a consortium that shares dispute, payment-denial and account-closure data to detect first-party fraud. | [9] |
| Mar 12, 2024 | US patent granted on fairness-constrained ML training | US 11,928,730 B1, assigned to Social Finance, Inc. dba SoFi, covers training machine-learning models with fairness improvement for credit decisions (inventors Feng, Liu, Bedi, Webster; filed 30 May 2023). A continuation, US 2024/0403952 A1, was published on 5 December 2024. | [1][2] |
| Sep 23, 2021 | Named as an Ocrolus customer | Ocrolus, which automates financial-document analysis for lenders, named SoFi among firms whose document workflows it powers in its $80 million Series C release, and named it again in May 2023 (no later confirmation found). | [21][22][23] |
| Mar 24, 2021 | Named as a Feedzai user | Feedzai's $200 million Series D release named SoFi among fintechs already using its AI-powered risk-management software (no later confirmation found). | [24] |
Does SoFi have AI patents?
One public family. US 11,928,730 B1, 'Training machine learning models with fairness improvement', was granted March 12, 2024 to Social Finance, Inc. dba SoFi and concerns credit and loan decisions; its continuation, US 2024/0403952 A1, was published December 5, 2024 and is listed as abandoned. SoFi has not said whether the method runs in production.
Which AI companies has SoFi acquired?
Composer Securities, an AI investing platform relaunched as Composer by SoFi on June 23, 2026. Earlier, Galileo (2020, $1.2 billion) and Technisys (2022) brought payments and core-banking technology, including the Cyberbank Konecta conversational AI engine used in SoFi's own support chat.
Which AI vendors does SoFi use?
Named vendors include Oscilar (credit, collections and fraud decisioning), Poetic (AI fraud investigations), Socure (identity and first-party-fraud data), and in engineering Claude on Amazon Bedrock, Gitar.ai and Cequence. SoFi has not named the model provider behind SoFi Coach.
Is SoFi partnered with AWS?
Galileo, SoFi's technology platform, joined the AWS Partner Network on October 16, 2025 so businesses can use Galileo's payment platform on AWS. SoFi's engineering team uses Claude through Amazon Bedrock. SoFi has not disclosed a broader cloud contract in its filings.
- US11928730B1 - Training machine learning models with fairness improvement
- US20240403952A1 - Training machine learning models with fairness improvement
- SoFi Money To Get New Core In July, Says CEO Anthony Noto
- Galileo's AI-Driven Intelligent Digital Assistant Cyberbank Konecta Enhances SoFi Member Experience
- Introducing Composer by SoFi: AI-Powered Investing From Idea to Execution
- SoFi Technologies, Inc. Quarterly Report on Form 10-Q, quarter ended 30 June 2026
- Oscilar Launches Agent Hub, the First Unified AI Agent Platform Spanning Fraud, Compliance, Credit, and Onboarding
- Poetic Raises $50M Series A to Automate the World's Most Complex Enterprise Processes with Reliable AI
- Socure's First-Party Fraud Consortium Achieves Unprecedented Scale, Uniting Industry Leaders Across Industries to Combat $100B Problem
- Leveraging AI for Executing a Complex Mobile Migration
- Galileo, SoFi's Tech Platform, Joins the AWS Partner Network
- SoFi Expands Access to Private Markets with Funds From CAZ Investments and AngelList Asset Management
- Socure Accelerates Mission to be the First to Verify 100% of Identities and Eliminate Identity Fraud Across all Industries with a $450M Investment Led by Accel and T. Rowe Price at a $4.5B Valuation
- SoFi Provides Access to New Class of Cosmos Fund with Sole Exposure to Anthropic, Pomona Investment Fund and StepStone Private Markets Fund Through Templum Partnership
- Templum to Offer Premier Private Market Investment Opportunities in Perplexity AI, OpenAI, and Colossal Biosciences to SoFi Members
- SoFi Coach: AI-Driven Financial Guide (product page and FAQ, retrieved 2026-10-16)
- SoFi Announces New AI Trading Tool for Individual Investors
- About Socure (undated page, retrieved 2026-09-24)
- SoFi (SOFI) Q1 2026 Earnings Call Transcript
- SoFi Ventures Into AI Investing With Composer Acquisition
- Ocrolus Raises $80M In Series C Funding To Scale Its Financial Services Focused Document Automation Solution
- Ocrolus lands $80M at a $500M+ valuation to automate document processing for fintechs and banks
- Ocrolus Adds OpenAI GPT Embeddings for Deeper Automation in Financial Document Analysis
- Leading Financial Risk Management Platform Feedzai Raises $200 Million Growth Investment Led by KKR
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