Ethena Pay Spend Card vs ether.fi Cash

Product status: Active

Beta; live in 48 countries, more announced

Source states (paraphrased): Ethena Pay is live in 48 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania.

Source: Available Jurisdictions — Ethena Pay

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source states (paraphrased): Help center describes current personal and corporate Cash cards.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Crypto-backed credit

Secured: collateral in your linked self-custodial wallet secures card charges

Source states (paraphrased): Your Ethena Pay Spend Card is a secured product.

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Card type: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Custody model: Self-custody

Source states (paraphrased): Ethena Pay does not hold, manage, custody, or have access to your funds, digital assets, or wallet credentials.

Source: FAQ — Ethena Pay

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Card issuer / program manager: Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)

Source states (paraphrased): refers to Third National, including its affiliates, successors, and assigns.

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Tiers / plans: Standard · Pro · VIP

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Annual fee: Free

No recurring subscription or account fees for a standard account

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Annual fee: Free

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Monthly fee: Free

Source states (paraphrased): Monthly maintenance / account fee: Free.

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Monthly fee: Free

Core membership

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Physical card fee: $60

Core, including shipping; Luxe and higher get 1 free

Source states (paraphrased): Physical card: $60, including shipping

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Virtual card fee: Free

Source states (paraphrased): Virtual card issuance: Free.

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Virtual card fee: Free

First virtual card free on Core; $10 in some regions and for further cards

Source states (paraphrased): Virtual cards: 1 free

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Replacement fee: Free

Source states (paraphrased): Replacement card: Free.

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

FX fee: 1.5%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

ATM fee: 2%

Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.

Source: The DeFi-Native Crypto Credit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Other fees & markups: Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateral

Source states (paraphrased): | Late Payment | Up to $40

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Base cashback: 3%

Core membership, on the first $2,000 of card spend per month

Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Max cashback: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Cashback paid in: AVAX

Source states (paraphrased): Credited in AVAX (native asset of the Avalanche network).

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Cashback type: Crypto

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback type: Platform token

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Interest on balance: 5.35%

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.

Source: https://www.ether.fi/earn

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Cashback conditions: Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settles

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month

Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions

Eligibility follows the MCC assigned by the card network

Source states (paraphrased): cash advances, ATM withdrawals, money orders, traveler's checks, or other cash equivalents;

Source: Ethena Pay Terms of Use

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Credit line: Yes

Secured by your own collateral

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Credit line: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Credit type: Crypto-backed credit

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Source states (paraphrased): Supported assets and their Product LTV

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Max loan-to-value: 81%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Source states (paraphrased): USDC | 81%

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Interest (APR): 0%

Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice

Source states (paraphrased): Your Spend Card is currently 0.00% interest on all purchases.

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Interest notes: Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosure

Source states (paraphrased): Issuer and Ethena Pay reserve the right to implement interest in the future, for new purchases.

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Grace period: Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretion

Source states (paraphrased): has not been paid in full by you within one (1) calendar day

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Grace period: None; interest accrues immediately after borrowing

Source states (paraphrased): There is no grace period

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Repayment: Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penalty

Source states (paraphrased): you may make a repayment for a balance on one or more of your Ethena Pay Cards by any means that are permitted by Ethena Pay

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Liquidation risk: Yes

Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Available in: Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand

Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea

Source: Available Jurisdictions — Ethena Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Not available in: United States

Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use

Source states (paraphrased): The Ethena Pay Spend Card is offered only to non-U.S. persons

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Own IBAN / bank details: Yes

Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ

Source: Available Jurisdictions — Ethena Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Apple Pay: Yes

Source states (paraphrased): Add to Apple Pay in seconds.

Source: Ethena Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: No

Announced as available soon

Source states (paraphrased): Google Pay available soon.

Source: Ethena Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Source states (paraphrased): Generate a virtual card in under a minute.

Source: Ethena Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

ATM withdrawals: Yes

Availability limited and depends on card, device and country

Source states (paraphrased): ATM cash withdrawals are supported where your card, device and country allow it

Source: Pricing — Ethena Pay

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

ATM withdrawals: Yes

Not permitted in North Korea, Iran and Myanmar

Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Source states (paraphrased): This works whether your spending token is USDC or EURC

Source: EUR purchases 0% FX Rate

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Airport lounge access: Yes

Core: 2 free passes to premium lounges; unlimited from Pinnacle

Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Travel / rental car insurance: Yes

Auto rental coverage, shared across all memberships

Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Purchase protection: Yes

Purchase and price protection, all memberships

Source states (paraphrased): Purchase and price protection

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: USDC · LiquidUSD

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Source states (paraphrased): from your USDC or LiquidUSD balance

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum

Supported blockchains for collateral; list may be updated by issuer

Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

ATM limit: $25,000

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

Source states (paraphrased): | Core | $5,000 | 5 | $25,000

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Deposit protection: No

Source states (paraphrased): are not deposits or insured by any government deposit insurance or investor protection scheme

Source: Ethena Pay Terms of Use

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Deposit protection: No

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Source states (paraphrased): This is not deposit insurance

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Smart-contract risk: Yes

Source states (paraphrased): does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral

Source: Ethena Pay Spend Card Terms

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Smart-contract risk: Yes

Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%