Generated by a model from the captured document; not read by a person
LowPositive for users
Affected users
All usersReferral program participants
SoFi increased the rewards points offered through its Credit Score Monitoring referral program from 1,000 points ($10) to 1,500 points ($15) for both the referrer and the referred user. The company also added an example calculation section to its cryptocurrency promotion disclosure. These changes expand the financial incentive for participation in the referral program and provide additional clarity on crypto fee calculations.
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Generated by a model from the captured document; not read by a person
The updated terms increase the financial reward for participating in SoFi's Credit Score Monitoring referral program. Referrers and referred users will now receive 1,500 rewards points (equivalent to $15) instead of 1,000 points ($10) upon successful activation within 60 days. The terms also add example calculations for the 1% cryptocurrency match promotion to clarify how fees are computed.
Key Clauses Affected
Generated by a model from the captured document; not read by a person
Credit Score Monitoring Referral Rewards
Referral rewards increased from 1,000 points ($10) to 1,500 points ($15) for both referrer and referred user.
Cryptocurrency Match Promotion Disclosure
Added example withdrawal and fee calculations to clarify how the 1% crypto match promotion operates.
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This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.
2026-10-11 · Feed summary edited · summary regenerated by summarize_events
Previous text Increased referral rewards from $10 to $15 for Credit Score Monitoring signups; added withdrawal calculation language for crypto match promotions.
2026-10-11 · Impact summary edited · summary regenerated by summarize_events
Previous text The updated terms increase the referral reward for Credit Score Monitoring from 1,000 points ($10) to 1,500 points ($15) per successful referral within 60 days of clicking a unique referral link. The terms also add specific language describing withdrawal and fee calculations for the 1% crypto match promotion, clarifying how fees are calculated when users withdraw cryptocurrency holdings.
2026-10-11 · Summary edited · summary regenerated by summarize_events
Previous text SoFi increased referral rewards for its Credit Score Monitoring program in an update detected on July 24, 2026. Referrers now receive 1,500 rewards points (equivalent to $15) instead of 1,000 points ($10) when someone they refer successfully activates the service within 60 days. The company also added language describing '1% Match Promotion' withdrawal and fee calculations for cryptocurrency holdings in the same update.
2026-10-07 · Change line edited · change line rewritten to the 2026-10-07 template: no detection date, no sentence counts
Previous text SoFi updated their SoFi Terms of Service on July 24, 2026. Change detected: 3 sentence(s) modified. Document contained 1005 sentences after update.
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Institutional Analysis
Generated by a model from the captured document; not read by a person
Assessment
This change modifies the incentive structure of SoFi's referral program and adds clarifying language to cryptocurrency promotion disclosures. The increase in rewards points is a commercial adjustment with no apparent regulatory compliance implications. The addition …
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Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-X-003945.
SoFi restructured its Invest Referral Program, removing the time-limited promotion framework and replacing it with an ongoing referral program. The …
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