Ether.fi, the crypto neobank built around a single account for saving, growing, and spending digital assets, has announced a partnership with MoonPay, the global financial technology company powering the movement of value across fiat and digital assets. Ether.fi is moving its core payments infrastructure onto MoonPay's integrated stack, which covers how users fund the app, move money inside it, and cash out.

Most neobanks source these functions from separate vendors. Each integration adds overhead and compliance surface area, and each usually brings its own identity check. A user ends up verifying for the card, again for a bank account, and again for an onramp, and gets handed to an outside provider in the middle of a transaction. In a self-custodial product this has been harder to fix than in a traditional app, which is a large part of why no one has delivered a seamless version over the past five years. Ether.fi and MoonPay are building one, where the user keeps control of their keys and the experience feels as simple as any mainstream neobank app.

"The bar for ether.fi isn't other crypto products," said Rok Kopp, CGO and Co-Founder of ether.fi. "It's whatever banking app a user opens every morning. Every integration we make is measured against that standard."

Ether.fi is growing on spending, not speculation

Ether.fi's card has become one of the largest onchain spending products in crypto. According to Paymentscan, which tracks card activity onchain, ether.fi card users spent $123.7M in September 2026 across 1.5M transactions and 48,162 active addresses. That is up from $24.1M in September 2025, more than 5x in twelve months. Since launching in April 2025, the card has processed $918.1M in spend across 11.6M transactions and 113K addresses.

This growth does not follow the crypto market. Over the past twelve months bitcoin fell roughly 27%, with double-digit drops in November 2025 and January, February, and June 2026. Over the same period ether.fi's monthly card volume rose in 13 of the last 15 months. In the two months it dipped, January and February 2026, the decline was about 2% each time, while bitcoin was down 10% and 15%. In June 2026, when bitcoin fell 20%, ether.fi's volume grew.

The reason is what people use the product for. Companies built around trading are tied to the market because their revenue depends on speculators trading large assets. When prices fall, activity falls with it. Ether.fi users are buying groceries, paying rent, and more. To them, the balance is just cash. Underneath, it is a stablecoin in a self-custodial wallet on blockchain rails, but that is invisible to the user, and it should be.

The experience matches what users expect from mainstream fintech services. The product underneath is different. A user's keys stay with the user, and ether.fi cannot move or seize the assets in their wallet. Funds move over crypto rails, which means they can travel faster and farther than through a chain of correspondent banks. And because the wallet is self-custodial, ether.fi does not have to be licensed as a bank in every market it enters. Traditional neobanks expand one licence at a time. Ether.fi can reach users in many more markets, with MoonPay's licensed infrastructure handling the fiat rails at the edges. Ether.fi goes further than other neobanks on ownership, reach, and speed.

Four MoonPay products that will be live inside the ether.fi experience

MoonPay Headless Ramps embed onramp and offramp flows natively in ether.fi. Users can save a card and fund their account in one tap. There are no web views and no redirects. Ether.fi controls the full UI, and MoonPay handles the payment rails, compliance, and global payment method coverage underneath.

MoonPay Trade handles cross-chain routing and powers crypto conversions inside the app. Users do not need to think about which asset they are moving or which chain it sits on. They get faster settlement, deeper liquidity, and access to more chains in the wallet they already use.

MoonPay Enterprise gives each ether.fi user a virtual account with account and routing numbers. Payment rails include ACH, Fedwire, SWIFT, Faster Payments, SEPA and Open Banking. A user's paycheck, savings, or business revenue lands directly in ether.fi, and money moves out just as easily to any linked bank, on local rails with settlement in seconds. This makes ether.fi a user's primary financial home, not just a place they visit.

MoonPay Crypto Deposits lets users bring money into ether.fi from wherever they hold it, whether that is Bitcoin or Solana. A user taps deposit, picks a token and a network, and either sends to a QR code or address or connects a wallet or centralized exchange. The deposited token is then swapped and delivered into the user's balance. Cashing out works the same way in reverse, with the user choosing the token they want to receive.

One experience, verified once

Because the stack is integrated, the card, the virtual account, the onramp, and the app are designed to work as one experience. A user completes verification once and that information carries across products, subject to local requirements, instead of starting over each time a new product is turned on.

"The platforms that win will be the ones that make money move simply," said Ivan Soto-Wright, CEO and Founder of MoonPay. "Ether.fi is exactly the kind of platform our infrastructure was built for and this partnership shows what's possible when a neobank chooses full functionality with no compromises for their users."