CenterPoint Securitiesvs.SoFi Active Investing

Head-to-head comparison across ratings, fees, asset coverage, and platform breadth.

CenterPoint Securities

4.1 / 5

Best-in-class short-locate inventory for active day traders and short sellers. Now a Clear Street division with ~8,000 ETB names, an in-house HTB desk sourcing 100M+ shares/month, 40+ DMA routes, and no PFOF. $30K minimum; not for beginners or buy-and-hold.

Last reviewed May 13, 2026Data may be outdated — verify rates before acting

SoFi Active Investing

4.0 / 5

Best one-app financial life for beginners and casual investors. Unbeatable on $0 options + IPO access + 1% IRA match. Avoid if you trade OTC, options spreads professionally, or hold meaningful idle cash.

Last reviewed May 13, 2026Data may be outdated — verify rates before acting

Sub-rating overlap

Each broker scored 0–5 across the same 8 dimensions.

Detailed comparison

Green cells mark the winner on each metric. Tie rows are uncoloured.

Metric	CenterPoint	SoFi	Winner
OverallEditorial score	4.10 / 5	4.00 / 5	CenterPoint
Sub-ratingsCommissions & fees	4.00	4.50	SoFi
Sub-ratingsPlatforms & tools	4.50	3.50	CenterPoint
Sub-ratingsMobile app	2.00	4.50	SoFi
Sub-ratingsResearch	3.00	3.00	Tie
Sub-ratingsEducation	2.50	3.50	SoFi
Sub-ratingsCustomer service	4.30	3.50	CenterPoint
Sub-ratingsRange of investments	2.50	3.50	SoFi
Sub-ratingsActive trading	5.00	3.00	CenterPoint
PricingLowest margin rate	8.00%	4.75%	SoFi
PricingDefault cash sweep yield	—	0.01%	SoFi
PricingPFOF on equities	Does not accept	Accepts	CenterPoint

Where they differ on asset coverage

Asset class	CenterPoint	SoFi
US stocks (NYSE/Nasdaq/AMEX)	Yes
OTC / Pink Sheets	Yes
Fractional shares	No
Listed options (single + multi-leg)	Yes
Mutual funds	No	Yes
US Treasuries / bonds	No
Crypto (direct)	No	Yes
International stocks	Limited	No
IRAs (limited)	Limited
Hard-to-borrow short locates	Yes
US stocks (NYSE/Nasdaq)		Yes
OTC / Pink Sheets / OTCQB / OTCQX		No
Fractional shares (Stock Bits)		Yes
Options (single-leg + defined-risk spreads)		Yes
US Treasuries		No
Corporate / muni bonds		No
IPO Investing		Yes
Pre-IPO / Private funds		Yes

CenterPoint strengths

Best-in-class short-locate inventory: ~8,000 ETB names + in-house securities-lending desk sourcing 100M+ HTB shares/month from 45+ counterparties
Equity-tier locate discounts: 15% ($50K), 20% ($100K), 25% ($250K), 30% ($1M+); $15/day in free locates included
No PFOF; transparent route table with rebates up to +$0.0020/share on lit exchanges
40+ routing destinations: direct exchanges, market-maker wheels, dark pools, midpoint, algos (TWAP/VWAP suite), short-sale specialized (SAGEAE), OTC-specific (OTCP, OTCX)
DAS Trader Pro engine (CenterPoint Pro) with multi-monitor, Level 2 mosaic, fully programmable hotkeys, 60+ technical studies
CenterPoint Edge perks bundle: Trade Ideas, Benzinga Pro, TrendSpider, Dilution Tracker, TraderSync (~$6,000/yr value)

SoFi strengths

$0 base + $0 per-contract options — tied for cheapest in retail
IPO Access with $0 minimum — every active member eligible to submit IOIs
1% IRA match (Traditional, Roth, Rollover); 2% Plus boost Jan 22 – Apr 15, 2026
Stock Bits fractional shares from $5 across ~4,000 tickers
~6,800 no-transaction-fee mutual funds (added 2024)
SoFi Crypto relaunched Nov 2025 with ~30 coins; SoFiUSD stablecoin on Solana

Full CenterPoint Securities review →Full SoFi Active Investing review →