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 DD split to SoFi Invest will be transferred to your active investing account (SoFi Securities) and will no longer be managed by SoFi Bank.
In order to process subsequent Invest orders tied to your Direct Deposit split (e.g., the purchase of a crypto coin) funds will then be transferred from your active investing account (SoFi Securities) to your crypto account (SoFi Digital Assets).