SoFi announced that its crypto service supports XRP deposits, but the lack of support for withdrawals to external wallets has sparked user dissatisfaction. Currently, users can only hold or trade XRP within the platform and cannot transfer it to on-chain wallets. This design has been criticized by some users as an "ETF-like model," arguing that it only provides price exposure without truly integrating into the crypto ecosystem. SoFi stated that it will open the withdrawal function in the future, but has not yet provided a specific timeline.