Cash includes borrows, so this is closer to Gnosis Pay welded to a lending book than a vanity card; spend volume can pull fees, credit demand, and asset retention through Ether.fi Cash. That is a cleaner ETHFI setup than restaking beta after DeFiLlama shows ether.fi TVL sliding from a $12.8B peak on Aug. 14, 2025 to about $2.9B on Jul. 1, with Q2'26 revenue already $8.3M through Jun. 24.

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