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Arthur Hayes 支持 Ether.fi 成为加密 neobank 的未来

Arthur Hayes 支持 Ether.fi 成为加密 neobank 的未来

In a recent thread on X, the team at Ether.fi highlighted clips from Arthur Hayes' appearance on the When Shift Happens podcast, where the BitMEX co-founder and Maelstrom CIO dives deep into why he's excited about their platform. If you're in the crypto space, you know Hayes doesn't mince words, and his endorsement could signal big things for Ether.fi's $ETHFI token and the broader DeFi ecosystem.

Arthur Hayes 在 When Shift Happens 播客上讨论 Ether.fi

From Restaking Powerhouse to Crypto Neobank

Ether.fi started as a top-tier restaking protocol on Ethereum, allowing users to stake their ETH and earn additional yields by securing other networks. Restaking, for the uninitiated, is like supercharging your staked assets – you lock up ETH to validate Ethereum, then reuse that staked position to back other protocols for extra rewards.

But Hayes points out that Ether.fi didn't stop there. They pivoted hard into becoming a "crypto neobank," blending on-chain finance with real-world spending. Imagine having your crypto assets work for you while you tap a card at your local coffee shop. Hayes, who's been in crypto for over a decade, calls this the fulfillment of blockchain's biggest promise: seamless integration between digital wallets and everyday payments.

In the clip, he explains how previous attempts at crypto cards fell short – high fees, limited acceptance, and banking hurdles. Ether.fi cracked the code with their Visa-powered card, which works anywhere Visa is accepted. You can add it to your Apple Wallet or get a physical one, making spending stablecoins or borrowed funds as easy as swiping.

The Emerging Neobank Narrative in Crypto

The second clip dives into the "neobank narrative" that's gaining traction. Crypto natives – those of us who've ditched traditional banks for DeFi – want to stay out of the fiat system as much as possible. Why sell your ETH for cash when you can borrow against it and spend directly?

Hayes breaks it down: Stake your ETH on Ether.fi to earn around 3% yield. Then, use that staked asset as collateral to borrow at low single-digit rates. You're still long on ETH (betting it'll outperform fiat), earning native yields, and spending fiat equivalents without selling your holdings. It's a game-changer compared to apps like Revolut or Monzo, which can't offer that crypto-native leverage.

Plus, features like cashback, yield on stablecoins, and global acceptance make it a no-brainer. Hayes even dubs Ether.fi the "Amex of crypto," targeting affluent crypto holders rather than the unbanked masses. It's about banking the "crypto rich" and taking a cut through smart fees.

Why This Matters for Meme Tokens and Beyond

At Meme Insider, we usually dive into the wild world of meme coins, but platforms like Ether.fi are crucial for the ecosystem. Easy on-ramps for spending and borrowing mean more liquidity flowing into tokens, including memes. Imagine using your meme token gains to borrow stablecoins, earn yield, and spend without touching your principal – that's the kind of utility that could supercharge adoption.

Hayes' views align with a bullish outlook on Ethereum and DeFi. If Ether.fi continues to innovate, their $ETHFI token could see serious upside as the platform grows. The thread has already sparked buzz, with replies echoing excitement about the "neobank wave" incoming.

If you're curious, check out the full podcast episode on When Shift Happens for more macro insights from Hayes. And if you're ready to try Ether.fi, head over to their site to get started on restaking or grabbing that card. Who knows – this could be the bridge that brings crypto to mainstream wallets.

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