A lot of platforms came out over the years wanted to allow you the crypto deposits in the centralized market which were not a bank. So the govt started offering the license to let them do that. Celsius and the babel finance had same structure but they went bankrupt offering a lot of returns for holding the crypto. 

SoFi is a national chartered bank and they do have the license. And they allow the buy, Sell and hold of the crypto assets. And now they are accepting the Solana network deposits on their internal wallets. 

To some extent the SoFi is safe but it has it's own set of the issues and it has some of the random issues that would cause it to collapse. And that kind of makes it a bit difficult to work around with as well. I have learned from the experience that its better to play safe but some people can take risk within their means if the bank and govt both call them safe. Rest Solana is getting into the bank world pretty tast. 

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