Following its acquisition of Composer Securities LLC, SoFi is launching an AI-powered investing platform that enables investors to create, test, and execute sophisticated strategies using everyday language.
SoFi Technologies, Inc. , the everything app for digital financial services, announced Composer by SoFi, an AI-powered investing platform that helps investors move from investing ideas to automated execution in minutes.
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Investors have never lacked ideas. The challenge has been turning those ideas into strategies that can be tested, refined, and executed consistently. Whether an investor believes market volatility will rise, interest rates will fall, or certain technical signals indicate an opportunity to buy or sell, acting on those views has traditionally required coding skills, multiple software platforms, or hours of ongoing portfolio management.
Composer by SoFi changes that. Investors can leverage advanced AI to create, test, and automate investment strategies using natural language. Rather than requiring investors to start with a detailed strategy or perfect prompt, Composer guides users through the process, helping them discover, refine, and build investment strategies step-by-step based on parameters and selections they control.
“Composer has built one of the most innovative AI-powered investing platforms available to retail investors today,” said Anthony Noto, CEO of SoFi. “Our acquisition of Composer reflects SoFi’s strategy of identifying innovative technologies and exceptional teams that can strengthen our ecosystem over time. As AI becomes a foundational part of investing, Composer by SoFi strengthens our ability to deliver powerful investing tools through an experience that is simple, intuitive, and accessible.”
Composer by SoFi helps investors turn investment ideas into fully functioning strategies in minutes. These strategies can be tested against historical data and automatically executed according to predefined rules selected by the investor. The platform offers three ways to get started. Members can:
- Design a custom strategy: An investor who believes technology stocks outperform in strong markets but wants to move into ETFs during periods of weakness can describe that idea in plain English, and Composer will help the investor build, test, and automate a rules-based strategy reflecting those inputs.
- Discover community-built strategies: An investor who feels they missed an AI sector rally can search over 2,000 community-built strategies, find one focused on AI and semiconductor leaders, review how it would have performed historically, and deploy it within seconds.
- Build a diversified portfolio: An investor who isn’t sure whether the next year will favor growth stocks or defensive assets can combine strategies designed for different market environments and automate them together.
Unlike agentic trading tools that rely on AI to continuously make trading decisions, Composer uses AI to help investors build sophisticated rules-based strategies that are executed automatically according to clear, predefined rules. These rules can be refined with specific weights, conditions, and filters. This means investors maintain visibility into how their strategies work and can evaluate historical performance across different market environments before deciding whether to activate a strategy.
Composer by SoFi builds on SoFi’s growing suite of AI-powered tools designed to help people get their money right. Last month, the company introduced SoFi Coach, an AI-powered financial assistant that helps members better understand and manage their money.
As part of SoFi, Composer will continue building new capabilities, integrate its technology into the SoFi platform, and expand access to SoFi members through SoFi Plus. Over time, members will be able to seamlessly access advanced systematic investing tools alongside their existing suite of financial products, furthering SoFi’s commitment to making powerful financial tools more intuitive and accessible.
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