ether.fi Cash Card

The ether.fi Cash Card is a DeFi-native Visa credit card that connects your ether.fi staking and restaking portfolio with everyday spending. Issue instantly, add funds via bank transfers or crypto, and spend at over 100 million Visa-accepting merchant locations worldwide — earning up to 3% cashback on all purchases with 0% FX fees on EUR and USD transactions. No credit checks. Apple Pay and Google Pay ready.

About ether.fi

ether.fi is the leading non-custodial Ethereum restaking protocol, with over $3.38 billion in TVL across multiple product lines including staking (weETH — restaked ETH; eBTC — restaked BTC; eUSD — restaked stablecoins), Liquid strategy vaults that auto-deploy to top DeFi protocols, and the Cash Card / membership programme. The protocol is fully open-source, decentralised, audited by industry-leading firms (Certik, Certora, Nethermind, Omniscia, Solidified, Hats Finance), and protected by a bug-bounty programme on Immunefi.

The Cash Card itself sits in a separate issued-by-bank legal entity: ether.fi Cash card is explicitly stated on the homepage as "not affiliated with the ether.fi protocol and issued subject to separate terms provided by Issuer" — giving users card-rail regulation through a licensed card issuer, with the non-custodial ether.fi protocol on the wallet/stake side. This dual structure is what makes ether.fi one of the most credible DeFi-native card programs in 2026.

Who It's For

• ETH / BTC / stablecoin holders who want to spend yield from their crypto without selling their principal
• Long-term stakers on ether.fi (weETH/eBTC/eUSD) who want to tap daily liquidity without unstaking
• Travellers and global spenders who want 0% FX on EUR/USD and Visa's 100M+ merchant acceptance
• Privacy-conscious users who don't want a credit check or a hard pull on their credit file
• DeFi power users who want one card that bridges Aave, Pendle, Gearbox and 400+ other integrations

Cashback & Rewards

Up to 3% cashback on all purchases, scaling higher with each ether.fi Cash membership tier. Cashback is paid on top of your existing ether.fi staking yields — effectively creating a "double-dip" between spend-side rewards and stake-side restaking APY. The headline 3% rate makes ether.fi Cash one of the highest flat cashback rates on any card product in 2026 (crypto or fiat).

Staking Integration

The killer feature: cashback and card balance are linked to your ether.fi staking portfolio:

• weETH — value-accruing restaked ETH; receives ETH staking yield plus restaking rewards
• eBTC — restaked Bitcoin with rewards
• eUSD — value-accruing restaked stablecoins

Card spend can draw on assets you've already staked — meaning your principal continues accruing yield while you spend the cashback or borrowed line. Liquid vaults auto-compound yields. 400+ DeFi integrations including Aave ($5B+ TVL alongside weETH/eBTC), Pendle ($10M+ TVL), Gearbox ($2M+ TVL) — so you can earn on top of your stake.

Membership Tiers ("The Club")

ether.fi Cash runs a 4-tier membership ("The Club") that scales card rewards and adds premium financial services:

• Higher cashback with each tier
• Move money globally with bank transfers or crypto
• Hold USD or EUR with personal IBAN access
• Travel, lounge, and concierge perks
• Earn 5%+ APY on your account balance
• Borrow to spend without selling your assets

Security & Custody

The ether.fi protocol itself is non-custodial — your weETH / eBTC / eUSD tokens are held by your own wallet and Staked through audited smart contracts. The Cash Card balance and IBAN side operate via a regulated card issuer (subject to separate terms), making the card side custodial and the staking side self-custodial — a genuinely hybrid custody model that's rare in this directory.

Smart contracts have been audited by Certik, Certora, Omniscia, Solidified, Nethermind and Hats Finance, with a live bug-bounty on Immunefi. Active defence infrastructure monitors on-chain exploits in seconds.

Verdict

The ether.fi Cash Card is one of the most genuinely DeFi-native crypto cards in the market in 2026 — built on top of the largest non-custodial Ethereum restaking protocol and tying everyday Visa spend into a $3.38B TVL staking ecosystem. 3% cashback, 0% FX on USD/EUR, 100M+ merchant acceptance, Apple Pay and Google Pay, no credit checks, personal IBAN, 5%+ APY on idle balance and the ability to borrow against your stake without selling make this an unusually complete crypto-finance product. The few caveats are the still-emerging tier benefits schedule, the regional rollout of IBAN and bank-transfer features, and the legal separation between ether.fi protocol and the Cash Card issuer — which while protecting users means card-side terms are subject to the issuer rather than the protocol's open-source governance.

Because it borrows against a staking position instead of selling it, ether.fi's card is closest in spirit to the Nexo Card and the Ledger CL Card for holders who want to keep their assets working. See our crypto cards directory for every credit-style and debit-style option.

The ether.fi Cash Card is the cash-side of a fully integrated Save → Stake → Spend system, designed to let you use crypto yields for everyday payments without selling your principal.

Save, Stake, Spend — All in One App

Open the ether.fi app and move seamlessly between Liquid vaults (auto-compounded DeFi strategies), Staking (weETH / eBTC / eUSD), and the Cash Card balance — all under one non-custodial wallet umbrella.

Up to 3% Cashback on Every Purchase

One of the highest flat cashback rates on any card in 2026 — crypto or fi. Earn on every Visa-accepting purchase, with the rate scaling higher as you move up the membership tiers.

0% FX on EUR and USD Transactions

ether.fi Cash anchors on Euro and US dollar — so spend in either currency is zero-FX. For other currencies the standard Visa interbank rate applies.

Visa Global Acceptance — 100M+ Merchants

Tap to pay at any of over 100 million Visa-accepting merchant locations worldwide. Online and in-store, retail and travel, all day, every region.

Apple Pay and Google Pay Ready

Add the ether.fi Cash Card to your Apple Pay or Google Pay wallet for tap-to-pay convenience on iPhone / Apple Watch / Android / Wear OS.

Personal IBAN in USD or EUR

Members can hold a personal IBAN denominated in either USD or EUR — receive bank transfers directly into your ether.fi Cash account from anywhere in the world.

Bank Transfers and Crypto Top-up

Fund your card balance with traditional bank transfers (SEPA, Faster Payments, SWIFT) or with crypto deposits — no need for a third-party on-ramp.

No Credit Checks

The Cash Card is a balance-funded card, not a credit-card: no hard enquiry on your credit file, no credit score assessment. Funding happens via your account balance or, on supported tiers, your staked crypto assets.

Borrow Against Your Stake

Premium tiers enable you to borrow against your staked weETH / eBTC / eUSD position without selling — convert borrowed liquidity into card balance to spend your stake without relinquishing it.

5%+ APY on Idle Balance

Cash sitting in your ether.fi Cash wallet isn't idle — it earns 5%+ APY, auto-deployed to Liquid strategy vaults that compound across top DeFi protocols.

Lounge, Travel & Concierge Perks

Top membership tiers unlock airport lounge access, travel insurance and a personal concierge service — squarely competing with Crypto.com Obsidian and Coinbase One Card perks.

400+ DeFi Integrations

Staked assets (weETH, eBTC) are usable across 400+ DeFi integrations including Aave ($5B+ TVL), Pendle ($10M+ TVL), Gearbox ($2M+ TVL) — meaning you can lend, leverage and farm returns on the same assets your card draws on.

Audited & Open Source

Smart contracts are open-source on GitHub and audited by Certik, Certora, Nethermind, Omniscia and Solidified, plus a Hats Finance decentralised audit and an Immunefi bug bounty. Active on-chain defence in seconds.

ether.fi is unusual among crypto directories in that it provides its own staked token versions — the Liquid Restaking Tokens (LRTs) weETH, eBTC and eUSD. These act as reward-bearing wrappers that you can use both on the staking side and as collateral for the Cash Card.

Native ether.fi Liquid Restaking Tokens

• weETH — value-accruing restaked ETH; earns ETH staking yield plus restaking rewards
• eBTC — restaked BTC with rewards
• eUSD — value-accruing restaked stablecoins (yield-bearing USD)

Supported Crypto Top-up Assets

• Ether (ETH)
• Bitcoin (BTC)
• USD Coin (USDC)
• Tether (USDT)
• Native deposit routes for weETH, eBTC, eUSD

Fiat Currencies

• United States Dollar (USD) — with personal IBAN access on premium tiers
• Euro (EUR) — with personal IBAN access on premium tiers
• Other currencies are supported via 0% FX where the card network rails allow (region-dependent).

Stake → Spend Loop

You deposit ETH/BTC/USDC into ether.fi (non-custodial wallet). ether.fi mints you weETH/eBTC/eUSD which accrue rewards. Those LRTs can then be used:

1. Across 400+ DeFi integrations (Aave, Pendle, Gearbox, ...) to earn additional yield and farm airdrop-style rewards
2. In Liquid strategy vaults that auto-deploy to the highest-yield opportunities in DeFi
3. As the collateral backing your Cash Card balance — letting you spend the dollar value of your stake without unstaking

This makes ether.fi one of the few complete Save → Stake → Spend loops in DeFi: your principal never leaves your custody until you choose to sell, while your daily spend flows off the yield and borrowing lines your staking portfolio generates.

The ether.fi Cash Card has an unusually lean fee structure for a crypto card product: zero issuance, zero annual fee, zero monthly card fee, and 0% FX on the two anchor currencies (EUR and USD). Revenue comes from the card-rail interchange and from the optional paid membership tiers, plus staking/restaking yield on the protocol side.

Membership tiers ("The Club") carry subscription fees and unlock such extras as higher cashback percentages, lounge access, concierge, premium travel perks, increased ATM and IBAN limits, and borrow-to-spend features. The ether.fi homepage describes the tiers as scaling, but does not publish tier prices publicly — pricing is shown at signup based on your jurisdiction and staking balance.

Beyond the card, the underlying ether.fi protocol earns ~2.42% staking yield on weETH, ~7% liquid rewards on Liquid vaults, and ~3% cashback across the Cash Card — a combined Spend + Stake yield that few other crypto card products can match.