{"id":23669,"date":"2026-09-01T10:42:47","date_gmt":"2026-09-01T10:42:47","guid":{"rendered":"https:\/\/scannn.com\/thread-by-nikitont-on-thread-reader-app-thread-reader-app\/"},"modified":"2026-09-01T10:42:47","modified_gmt":"2026-09-01T10:42:47","slug":"thread-by-nikitont-on-thread-reader-app-thread-reader-app","status":"publish","type":"post","link":"https:\/\/scannn.com\/lv\/thread-by-nikitont-on-thread-reader-app-thread-reader-app\/","title":{"rendered":"Thread by @Nikitont on Thread Reader App \u2013 Thread Reader App"},"content":{"rendered":"\n
\n Who can actually use an @ether_fi card?<\/p>\n

It’s not just another crypto card.<\/p>\n

Depending on how you use your money, ether.fi\/@nikiton<\/a> Cash can work very differently:<\/p>\n

ETH holder
\u2022 Borrow Mode: spend vs weETH, don\u2019t sell ETH. Staking ~3\u20134% still accrues.
\u2022 ~55% LTV, variable Aave v4 rate, no grace period.
\u2022 Daily spend: Direct Pay from USDC \/ LiquidUSD, 0% borrow interest.
\u2022 Core: 3% on first $2k\/mo, then 1% \/ 0.5%. $1,500 spend \u2248 $45 back.
\u2022 Not selling \u2260 no tax.<\/p>\n

IT specialist
\u2022 Cursor, GitHub, Figma, AWS, Notion, coworking normal Visa.
\u2022 $200\u2013800\/mo fits Core\u2019s 3% band. $500 subs \u2248 $15 back.
\u2022 Apple \/ Google Pay. Virtual card after KYC, physical later.
\u2022 No CEX \u2192 bank wait. Fund USDC, spend.
\u2022 Core: 3 virtual cards (work \/ personal \/ cloud).
\u2022 KYC. NL, FI, EE, HU and some US states often blocked.<\/p>\n

AI user
\u2022 ChatGPT, Claude, Cursor, Midjourney, GPUs \/ Visa merchants.
\u2022 Code Nikiton: 10% cashback on Anthropic & OpenAI. Promo, not the base 3%.
\u2022 No code = 3% on first $2k\/mo. With code = 10% while the timer runs.
\u2022 $20 ChatGPT \u2192 $2. $100 Claude \u2192 $10. $200 stack \u2192 $20.
\u2022 Separate virtual cards per tool. One leak \u2192 freeze one card.
\u2022 Bills pull USDC from the vault. No monthly ETH sale.
\u2022 $20\/mo and no code \u2192 a bank card is simpler.<\/p>\n

Freelancer \/ remote
\u2022 Client USDC \u2192 vault \u2192 card. No CEX, no SWIFT lag.
\u2022 Core daily cap ~$30k.
\u2022 Freeze, limits, history in-app.
\u2022 Living + tools stay in 3% up to $2k\/mo.
\u2022 Income is still taxable.<\/p>\n

Founder \/ solo business
\u2022 Ads, domains, Vercel, CRM \/ one Visa rail.
\u2022 Virtual cards: Core 3, Luxe 5, Pinnacle 50.
\u2022 Ops: Direct Pay from stables.
\u2022 Keep treasury ETH; Borrow Mode has rate + liquidation risk.
\u2022 Luxe: 3% up to $10k\/mo.<\/p>\n

Traveler
\u2022 Visa Signature: purchase protection \/ warranty up to $10k, rental, concierge.
\u2022 EUR often 0% extra FX. Other FX ~0\u20131%.
\u2022 Apple Pay + physical card for hotels.
\u2022 Etherfi Travel: up to 5% on their hotels, not all Booking.
\u2022 ATM 2%, $250\/day.
\u2022 Airport lounge is pay-as-you-go, not unlimited Priority Pass.<\/p>\n

Privacy-conscious:
\u2022 Non-custodial vault. Not an exchange or bank balance.
\u2022 You sign. They don\u2019t custody the funds.
\u2022 KYC still: ID, selfie, sometimes address.
\u2022 Control of assets, not hidden identity.<\/p>\n

Whether you\u2019re holding ETH, working remotely, paying for AI tools, running a business or just spending stablecoins day to day, there\u2019s a setup that fits.<\/p>\n

Different users, different ways to use it.<\/a><\/span>
\n <\/sup>\n <\/p>\n<\/div>\n

Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Who can actually use an @ether_fi card? It’s not just another crypto card. Depending on how you use your money, ether.fi\/@nikiton Cash can work very differently: ETH holder\u2022 Borrow Mode: spend vs weETH, don\u2019t sell ETH. Staking ~3\u20134% still accrues.\u2022 ~55% LTV, variable Aave v4 rate, no grace period.\u2022 Daily spend: Direct Pay from USDC […]<\/p>\n","protected":false},"author":16,"featured_media":23670,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[143],"tags":[],"class_list":["post-23669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai"],"_links":{"self":[{"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/posts\/23669","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/comments?post=23669"}],"version-history":[{"count":0,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/posts\/23669\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/media\/23670"}],"wp:attachment":[{"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/media?parent=23669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/categories?post=23669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scannn.com\/lv\/wp-json\/wp\/v2\/tags?post=23669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}