# Etherfi
> Etherfi offers a DeFi-native, non-custodial credit card that allows users to spend their crypto assets for real-world purchases, earning up to 3% cashback. It supports Apple Pay and Google Pay, provides membership-based rewards, and includes options for corporate cards, all while maintaining user control over their crypto.
- URL: https://optimly.ai/brand/etherfi
- Logo: https://logo.clearbit.com/ether.fi
- Slug: etherfi
- BAI Score: 31/100
- Archetype: Challenger
- Category: Financial Services
- Last Analyzed: August 9, 2026
## Buyer Intent Signals
Problems: Convert crypto to fiat via exchange and withdraw: Users would sell their crypto on an exchange, transfer the fiat funds to a traditional bank account, and then use a standard debit/credit card for pur | Hold crypto and don't spend it: Users could simply hold their crypto assets in a wallet without using them for everyday transactions, thereby missing out on the utility of spending and potential cashb
Solutions: Other custodial crypto debit cards: Using crypto debit cards from exchanges like Coinbase or Crypto.com. While enabling crypto spending, these solutions typically require users to give up custody of t