Ether.fi

Ether.fi is a platform that describes itself as a crypto neobank, aiming to let users stake Ethereum, earn yield, make payments with a credit card, and borrow against their holdings without giving up custody of their assets. The ETHFI token is the governance token for this ecosystem, giving holders a say in how the protocol develops. It is aimed at people who want to put crypto to work across saving, spending, and borrowing from a single interface rather than juggling separate products.

At its core, ether.fi runs non-custodial Ethereum staking infrastructure: users deposit ETH and receive a liquid token representing their staked position, which they can continue to use in other decentralized finance applications rather than having it locked up. The ETHFI token lives on Ethereum and is also present across Arbitrum, Base, and Scroll ecosystems, and it grants governance rights over protocol decisions. All 1,000,000,000 tokens in the maximum supply have already been issued, with 965,350,000 currently in circulation.

Ether.fi generated fees of 12,403,128 USD over the trailing 30 days and 405,726 USD in the most recent 24-hour period, with fees over the trailing 12 months reaching 187,661,540 USD. The protocol's take rate over the trailing 30 days was 30.64 percent, meaning it retained roughly that share of gross fees as protocol revenue; the remaining portion, amounting to 8,602,966 USD over the trailing 30 days, went to the supply side — the stakers and liquidity providers whose capital generates the activity. Protocol revenue annualized from the trailing 30 days stands at 46,235,304 USD, and both fee and revenue growth over the last 30 days were 16.61 percent. Total value locked across the platform is 5,423,200,292 USD at the point in time captured here.