> 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/introduction.md).

# Crypto Neobank Overview

What each ether.fi product does, and where the app, the protocol, and third-party providers begin and end.

ether.fi is one account for your money. You keep control of your assets in a non-custodial smart contract account. From that account you can spend, trade, borrow, earn, send, and stake.

## Products

| Product      | What it does                                                                                                                          | Learn more                                                 |
| ------------ | ------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------- |
| **Card**     | Spend with the ether.fi Cash card. Direct Pay uses your balance. Borrow Mode borrows against your collateral so you keep your crypto. | [Cash](/etherfi/products/cash.md)                          |
| **Markets**  | Buy and sell crypto, tokenized stocks, and metals.                                                                                    | [ether.fi app](https://www.ether.fi/app/cash/earn/markets) |
| **Borrow**   | Earn a variable yield on your assets and borrow against them without selling.                                                         | [Borrow](/etherfi/products/borrow.md)                      |
| **Earn**     | Deposit into Liquid vaults. Each vault spreads your deposit across DeFi strategies and rebalances for you.                            | [Earn](/etherfi/products/liquid.md)                        |
| **Send**     | Send crypto onchain, or use the bank and payment rails available in your region.                                                      | [Personal accounts](https://www.ether.fi/personal)         |
| **Stake**    | Stake ETH and receive eETH or weETH. These earn staking rewards and stay usable across DeFi.                                          | [Staking](/etherfi/products/staking.md)                    |
| **Business** | Team cards, roles, spending controls, and treasury tools.                                                                             | [Business accounts](https://www.ether.fi/business)         |

The app shows what is available to your account. Availability depends on your region and account type.

## What ether.fi is made of

"ether.fi" is several parts working together:

* **The app** shows your account and lets you create and approve instructions.
* **The ether.fi protocol** is the set of smart contracts that run staking, account permissions, and the Cash integrations.
* **Third-party protocols and providers** run parts of Earn, Markets, transfers, identity checks, and card issuing.
* **The Cash card** is issued by the Issuer named in your Cardholder Agreement. It is not affiliated with the ether.fi protocol.

Each part has its own operators, permissions, risks, and legal terms. [How ether.fi Works](/etherfi/resources/ether.fi-whitepaper/technical-documentation.md) goes through them one by one.

## Non-custodial is not risk-free

You approve actions from your own wallet or smart contract account. But the account still depends on smart contracts, your sign-in method, enabled modules, price oracles, blockchains, and third-party protocols. Some actions run through permissions you approved earlier rather than a fresh signature each time.

Read [Risks](/etherfi/resources/ether.fi-whitepaper/risks.md) and the [Terms of Use](https://www.ether.fi/legal/terms-of-use) before you use a product.


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