Credit where credit is due. I’ve been deep in the crypto neobank trenches since Jan and tried every product out there. Vis a vis, Etherfi is squarely sitting at the pole position for me.

There are a handful of product hooks that make them stand out:

1) Borrow Mode

It’s an actual credit card. You can borrow against your assets and make purchases without selling your crypto at a fixed 4% borrowing rate. Depositing assets in vaults earns 5-7% APY, so you can capture the