# SoFi Technologies: Responsible AI

Source: https://www.bankingnewsai.com/banks/sofi/responsible-ai
Last updated: Oct 31, 2026

*Part of the [SoFi Technologies AI strategy profile](https://www.bankingnewsai.com/banks/sofi).*

## How does SoFi govern AI, and what does it disclose about AI risk?

SoFi has not published AI principles; its record on responsible AI is mostly in SEC risk disclosures and in how it built SoFi Coach. The 10-K filings for 2023, 2024 and 2025 each say SoFi's current use of AI and machine learning 'is limited' while warning that its systems and its partners' are 'increasingly reliant' on machine learning systems that 'may have errors or inadequacies that are not easily detectable'. The 10-K for 2025, filed February 17, 2026, adds that AI will take significant resources to ensure it is implemented 'in accordance with applicable law and regulation and in a socially responsible manner', names state AI laws in Texas, Colorado and California, and says regulators could argue that its underwriting or credit models 'produce disparate outcomes'. SoFi holds US patent 11,928,730, granted March 12, 2024, on training machine learning models with fairness improvement. For Coach, its AI financial guide, SoFi tells members that responses are 'not financial advice' and 'may have inaccuracies'; head of advice and planning Brian Walsh said in August 2026 that built-in rule sets escalate conversations beyond Coach's scope to a human, and a team of financial planners evaluates Coach's answers. SoFi has not named an AI governance committee or published AI testing results, and its 2026 proxy statement mentions AI only in director biographies. ([SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887424000026/sofi-20231231.htm), [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887425000016/sofi-20241231.htm), [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm), [Google Patents (USPTO)](https://patents.google.com/patent/US11928730B1/en), [SoFi](https://www.sofi.com/coach/chat/), [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/sofi-teaches-its-ai-coach-to-read-the-financial-room), [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145), [SEC (SoFi Technologies DEF 14A)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000032/sofi-20260430.htm))

## What do SoFi's SEC filings say about AI risk?

| Filing | What it says about AI | Sources |
| --- | --- | --- |
| 10-K for 2023 (filed February 27, 2024) | 'Although our current use of artificial intelligence and machine learning is limited, our systems and those of our partners are increasingly reliant on artificial intelligence machine learning systems'; they 'may cause unintentional or unexpected outputs that are incorrect' | [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887424000026/sofi-20231231.htm) |
| 10-K for 2024 (filed February 24, 2025) | 'While we do not currently rely heavily on artificial intelligence, we expect to integrate more artificial intelligence into our technology'; cites the Colorado AI Act, effective February 1, 2026, and the EU AI Act | [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887425000016/sofi-20241231.htm) |
| 10-K for 2025 (filed February 17, 2026) | AI requires significant resources 'to help ensure that AI is implemented in accordance with applicable law and regulation and in a socially responsible manner'; several states, 'including Texas, Colorado and California, passed laws that regulate various facets of AI' | [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm) |
| 10-K for 2025, fair lending | Regulators 'could also take the position that the underwriting or credit models or algorithms we use produce disparate outcomes' or do not give enough information for ECOA notices | [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm) |
| 10-Q for the quarter ended June 30, 2026 | Threat actors 'increasingly leverage AI to enhance the scale and speed of their operations' | [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm) |

## What AI controls has SoFi described?

| Control | What SoFi says | Date | Sources |
| --- | --- | --- | --- |
| Fairness patent | US11928730B1, 'Training machine learning models with fairness improvement', aimed at model outputs that 'involve disparate treatment or disparate impact for certain legally protected groups' | Granted March 12, 2024 | [Google Patents (USPTO)](https://patents.google.com/patent/US11928730B1/en) |
| Coach disclosures | Coach responses 'are information for you to consider and not financial advice', 'may have inaccuracies', and Coach may offer SoFi products 'on which SoFi would earn revenue' | October 2026 | [SoFi](https://www.sofi.com/coach/chat/) |
| Escalation rules | Coach draws on 'eight years and tens of thousands of conversations' by human planners; 'There are going to be clear rule sets that are built in' to move a conversation to a human | August 2026 | [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/sofi-teaches-its-ai-coach-to-read-the-financial-room) |
| Human evaluation | A planner team is 'the resource and source of truth that evaluates how Coach is performing'; 'We're not taking any level of autonomy from the member' | August 2026 | [The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-sofis-coach-app-delivers-personalized-actionable-advice-and-drives-the-banks-expansion-plans-199145) |

## What has SoFi not disclosed about AI governance?

Board oversight: the 2026 proxy statement, filed April 30, 2026, mentions AI in director biographies, such as Magdalena Yeşil's AI company Informed.IQ, but describes no board committee or management body responsible for AI. ([SEC (SoFi Technologies DEF 14A)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000032/sofi-20260430.htm))

Also not on the record: AI principles, a model risk policy for AI, results of fairness or bias testing on credit models, Coach accuracy or escalation rates, and AI incidents. The 10-K for 2025 says only that AI 'could draw scrutiny' and that failures 'could result in examination findings, sanctions or customer harm'. ([SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm))

## What does the SoFi profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Aug 14, 2026 | Coach's escalation rules described | Built on eight years and tens of thousands of planner conversations; rule sets hand out-of-scope questions to a human. | [PYMNTS](https://pymnts.com/news/artificial-intelligence/2026/sofi-teaches-its-ai-coach-to-read-the-financial-room) |
| Aug 6, 2026 | Q2 10-Q: Technology Platform shrinks; AI named as a cyber threat | Technology Platform net revenue fell 23% to $84.5 million and accounts to 134.8 million; $52.5 million of SoFiUSD was outstanding; the filing says threat actors increasingly use AI to scale attacks. | [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm) |
| 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. | [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm) |
| 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%. | [Oscilar (PR Newswire)](https://www.prnewswire.com/news-releases/oscilar-launches-agent-hub-the-first-unified-ai-agent-platform-spanning-fraud-compliance-credit-and-onboarding-302789709.html) |
| May 27, 2026 | SoFiUSD opens to members | Members can buy, sell and hold the stablecoin on Ethereum and Solana in the SoFi app; the 10-Q dates the first launch to December 2025. | [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202605270700BIZWIRE_USPRX____20260527_BW091798-1), [SEC (SoFi Technologies 10-Q)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000054/sofi-20260630.htm) |
| Apr 29, 2026 | Q1 call: credit-model tests and a 600-data-point risk platform | Noto says Personal Loan Doc Coach uses AI to validate pay stubs, SoFi is testing credit-model features on enhanced data pools, and the risk and fraud platform has seven products whose models often use over 600 data points per decision. The Galileo and Technisys business is being rebranded SoFi Technology Solutions. | [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/sofi-sofi-q1-2026-earnings-call-transcript/), [SoFi Tech Solutions](https://tech.sofi.com/news/galileo-financial-technologies-rebranding-to-sofi-tech-solutions) |
| Feb 17, 2026 | 2025 10-K flags AI model and data liabilities | Summary risk factors include AI data, models and use; the filing calls current AI and machine-learning use 'limited' but notes growing reliance, third-party AI and AI-enhanced cyberattacks, and describes the Cash Coach feature. | [SEC (SoFi Technologies 10-K)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm) |
| Sep 10, 2024 | Galileo launches ML risk score for clients | Galileo Instant Verification Engine and the Transaction Risk GScore add real-time account verification and machine-learning risk scoring to its Payment Risk Platform. | [Galileo (Business Wire)](https://www.businesswire.com/news/home/20240910452642/en/Galileo-Launches-Instant-Account-Verification-and-Machine-Learning-Risk-Score-to-Secure-Financial-Transactions-Amid-Escalating-Cyber-Threats) |
| 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. | [Google Patents (USPTO)](https://patents.google.com/patent/US11928730B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20240403952A1/en) |
| 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). | [Feedzai](https://feedzai.com/pressrelease/feedzai-raises-200-million-growth-investment-led-by-kkr) |

## Common questions

### Does SoFi have AI principles?

SoFi has not published a responsible AI principles document. What it has put on the record is in its 10-K risk factors, which describe AI and machine learning use as limited but growing, a patent on fairness-improved model training, and the disclaimers and human escalation rules built into SoFi Coach.

### Is SoFi Coach financial advice?

No, by SoFi's own terms. The Coach page says responses are information to consider and not financial advice, are based on limited information from connected accounts and may have inaccuracies, and that Coach may suggest SoFi products on which SoFi earns revenue. Built-in rule sets send conversations beyond its scope to a human.

### How does SoFi address bias in AI credit models?

SoFi holds US patent 11,928,730, granted March 12, 2024, on training machine learning models with fairness improvement to reduce disparate treatment or impact for legally protected groups. Its 10-K warns that regulators could argue its credit models produce disparate outcomes; SoFi has not published fairness test results.

### What AI laws does SoFi say affect it?

Its 10-K filings cite the EU AI Act, the Colorado AI Act effective February 1, 2026, California's AB 2013, laws in Texas, Colorado and California, and a December 2025 federal executive order on a national AI policy framework, along with FINRA and SEC exam focus on generative AI.

### Who oversees AI at SoFi?

SoFi has not said. Its 2026 proxy statement does not describe a board committee or executive body for AI. The people it has put forward on AI products are business leaders such as Brian Walsh, head of advice and planning, who leads the financial planning work behind Coach.
## Deeper on SoFi

- [What is SoFi's AI strategy?](https://www.bankingnewsai.com/banks/sofi/ai-strategy)
- [What is SoFi Coach, and how does it work?](https://www.bankingnewsai.com/banks/sofi/virtual-assistant)
- [What AI research, patents and partnerships does SoFi have?](https://www.bankingnewsai.com/banks/sofi/ai-research-patents-partnerships)
- [What technology stack does SoFi run?](https://www.bankingnewsai.com/banks/sofi/technology-stack)
- [What proprietary AI has SoFi built in-house?](https://www.bankingnewsai.com/banks/sofi/proprietary-ai)
- [How does SoFi use AI for fraud detection and credit decisions?](https://www.bankingnewsai.com/banks/sofi/fraud-and-credit-ai)


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