Right away, and here’s how it works:
Once your direct deposit is credited to your checking or savings account (SoFi Bank), the funds allocated for your no-fee crypto purchase will be transferred to your active investing account (SoFi Securities) and will no longer be managed by SoFi Bank.
In order to process your no-fee crypto order, the funds will then be transferred from your active investing account (SoFi Securities) to your crypto account (SoFi Digital Assets),