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
Markets	Buy and sell crypto, tokenized stocks, and metals.	ether.fi app
Borrow	Earn a variable yield on your assets and borrow against them without selling.	Borrow
Earn	Deposit into Liquid vaults. Each vault spreads your deposit across DeFi strategies and rebalances for you.	Earn
Send	Send crypto onchain, or use the bank and payment rails available in your region.	Personal accounts
Stake	Stake ETH and receive eETH or weETH. These earn staking rewards and stay usable across DeFi.	Staking
Business	Team cards, roles, spending controls, and treasury tools.	Business accounts

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 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 and the Terms of Use before you use a product.