What it does
ether.fi Cash connects everyday payments to the assets in an ether.fi vault. Direct Pay uses eligible spending balances; Borrow Mode creates debt backed by collateral. Choosing the mode changes the financial transaction behind the same card tap.
The distinction matters after a refund as well. In Borrow Mode, a refund goes to the vault balance rather than automatically clearing the debt. Interest can continue until repayment. Card availability is published by country and US state, while physical-card eligibility can differ from account eligibility.
Where it stands out
- Direct and collateral-backed spending modes
- Published jurisdiction list
- Vault and card controls in one interface
What you can do
- 01Virtual and physical cards
- 02Supported-asset Direct Pay
- 03Collateral-backed Borrow Mode
- 04Membership benefits
Who’s behind it
The card is part of ether.fi’s consumer account offering. Card issuance, lending and vault services have separate applicable partners and terms.
Fees & availability
Fees and costs
Membership and transaction costs vary. Borrowing interest begins immediately at a variable rate; there is no grace period.
Eligibility and availability
Collateral can be liquidated. Check the current country and state list and the assets allowed in each payment mode.