> For the complete documentation index, see [llms.txt](https://etherfi.gitbook.io/etherfi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://etherfi.gitbook.io/etherfi/resources/ether.fi-whitepaper.md).

# About ether.fi

How ether.fi works: the Cash card, Markets, Borrow, Earn, and Stake, the protocol behind them, and the risks to know before you use them.

ether.fi is a non-custodial crypto neobank. It started in 2023 as an Ethereum staking protocol. Today it is one account for spending, trading, borrowing, earning, and staking, for both personal and business members.

This section explains what the account is made of and who runs each part.

* [Crypto Neobank Overview](/etherfi/resources/ether.fi-whitepaper/introduction.md): what each product does and where the app, the protocol, and third parties begin and end.
* [How ether.fi Works](/etherfi/resources/ether.fi-whitepaper/technical-documentation.md): the app, smart contract accounts, and the protocols behind each product.
* [Risks](/etherfi/resources/ether.fi-whitepaper/risks.md): what can go wrong with each product.
* [Governance](/etherfi/resources/ether.fi-whitepaper/governance.md): ETHFI governance and protocol controls.
* [Ethereum Staking](/etherfi/resources/ether.fi-whitepaper/ether.fi-staking.md): eETH, weETH, validators, rewards, and redemptions.
* [Restaking](/etherfi/resources/ether.fi-whitepaper/ether.fi-re-staking.md): the optional restaking products and how they differ from staking.

For live products and availability, visit [ether.fi](https://www.ether.fi/). Legal terms are in the [Terms of Use](https://www.ether.fi/legal/terms-of-use) and the [legal agreements](/etherfi/legal/ether.fi-legal.md).


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