The Background
DeFi has unlocked a world of financial freedom, but spending your crypto in the real world has always meant trusting a centralized exchange. You deposit, wait, and hope your account isn't frozen. Then you wire to your bank, wait again, and finally spend. Why build in DeFi if you're forced to off-ramp through TradFi?
ether.fi Cash is the first true crypto-native credit card. No more top-ups, no more custodial risk, no more waiting days for your money. Just borrow, spend, and stay in control—always.
How It Works
1. Hold
Deposit your crypto (eETH, USDC, and more coming soon) into your own Gnosis Safe—fully under your control.
2. Swipe
Use your Cash Card anywhere Visa is accepted. No top-ups, no waiting, no off-ramp fees. Just tap and go.
3. Borrow
Each purchase instantly borrows against your staked assets—no need to sell. Your crypto keeps earning, your lifestyle keeps moving.
Borrowing, Reimagined
Imagine holding 10 eETH and wanting to buy a new iPhone. With ether.fi Cash, you simply deposit your eETH, set your borrowing preferences, and swipe. The protocol instantly opens a lending position, fronts the fiat, and settles the payment—all gasless, all in seconds.
Your crypto stays in your Safe, still earning yield. Repay on your terms, or let your staking rewards cover it automatically. No minimums, no surprise fees, no TradFi headaches.
True Non-Custodial
Gnosis Safe
Your assets never leave your Gnosis Safe. Set spending limits, freeze your card, and manage everything on-chain. No one—not even ether.fi—can touch your funds.
On-Chain Controls
Adjust spending limits, freeze your card, and manage everything on-chain. Enjoy Apple Pay & Google Pay support, plus gasless transactions on Scroll.
Perks & Tiers
Every swipe earns you Cash Points—redeemable for USDC, VIP crypto conference tickets, and more. Enjoy premium perks like metal cards, lounge access, private parties, and low FX rates. The higher your tier, the more you unlock.
| Tier | Min Points | Cashback | Perks |
|---|---|---|---|
Core | 0 | 2% (3% promo) | 1 free physical card |
Luxe | 10,000 | 3% | Airport lounge, 2 cards |
Pinnacle | 50,000 | 3% + DeFi boosts | 5 metal cards, concierge |
VIP | Invite | 3% + allocation deals | 24/7 Genie, conference passes |
The Recap
ether.fi Cash is the first truly non-custodial crypto credit card—no banks, no waiting, no compromises. Unlike most crypto cards, your funds always stay in your control, earning yield while you spend. Enjoy seamless off-ramping, instant borrowing, and premium perks, all powered by DeFi. It's the easiest, most secure way to put your crypto to work in the real world.