Ether.Fi 將在 Scroll 網路上推出 Visa「現金」卡

Ether.fi 的信用卡將獎勵 3% 的現金返還，並讓用戶可以用加密貨幣抵押品借錢。

Ether.fi, known for its liquid restaking service, has announced a new blockchain-based credit card, Ether.fi Cash, in collaboration with Scroll, a layer 2 network on Ethereum. The card aims to provide users with the ability to spend fiat while utilizing their crypto assets as collateral.

以其流動性重新抵押服務而聞名的 Ether.fi 宣布與以太坊上的第 2 層網路 Scroll 合作推出一款新的基於區塊鏈的信用卡 Ether.fi Cash。該卡旨在為用戶提供使用法定貨幣的能力，同時利用其加密資產作為抵押品。

Ether.fi Cash is currently available for pre-order, and according to a press release from Ether.fi, Cash users will receive a 3% cash-back incentive on all transactions, with no restrictions. The card, which will be issued as a physical Visa credit card, is designed to be compatible with mobile payment providers like Apple Pay.

Ether.fi Cash 目前可供預訂，根據 Ether.fi 的新聞稿，Cash 用戶將在所有交易中獲得 3% 的現金回饋獎勵，沒有任何限制。該卡將作為實體 Visa 信用卡發行，旨在與 Apple Pay 等行動支付提供者相容。

In an interview with CoinDesk, Mike Silagadze, co-founder of Ether.fi, described the card's target audience as initially comprising crypto enthusiasts and those engaged in decentralized finance (DeFi).

Ether.fi 聯合創始人 Mike Silagadze 在接受 CoinDesk 採訪時表示，該卡的目標受眾最初包括加密貨幣愛好者和從事去中心化金融 (DeFi) 的人士。

“The first, probably 10 to 20,000 people, are going to be crypto 'degens,' like DeFi, crazy people,” Silagadze said.

“第一批，可能是 10 到 20,000 人，將是加密貨幣‘墮落者’，比如 DeFi，瘋狂的人，”Silagadze 說。

The card's DeFi integration will reportedly enable users to borrow against their crypto collateral, expanding the card's functionality beyond simple fiat purchases.

據報道，該卡的 DeFi 整合將使用戶能夠以其加密貨幣抵押品進行借貸，從而將該卡的功能擴展到簡單的法定購買之外。

According to Silagadze, the card's DeFi lending feature is particularly advantageous when used in conjunction with lending platforms like Aave on Scroll.

Silagadze 表示，該卡的 DeFi 借貸功能在與 Aave on Scroll 等借貸平台結合使用時特別有利。

“If you put 10 Ethereum into Aave and you use this credit card, then for you it's going to be the cheapest credit card in the world that you can find,” Silagadze said.

「如果你在 Aave 中存入 10 個以太坊並使用這張信用卡，那麼對你來說，這將是你能找到的世界上最便宜的信用卡，」Silagadze 說。

Ether.fi Cash is not the first attempt by the crypto industry to create a credit card, with previous efforts failing to achieve widespread mainstream adoption. However, Ether.fi and Scroll are optimistic that Ether.fi Cash will encounter a different fate.

Ether.fi Cash並不是加密貨幣行業創建信用卡的第一次嘗試，之前的努力未能實現廣泛的主流採用。不過，Ether.fi 和 Scroll 樂觀地認為 Ether.fi Cash 將遭遇不同的命運。

Silagadze's aspirations extend beyond crypto users, aiming to eventually pique the interest of non-crypto users as well.

Silagadze 的願望不僅限於加密貨幣用戶，旨在最終激起非加密貨幣用戶的興趣。

“There's just no other card that gives you 3% cash-back without crazy restrictions,” Silagadze said.

「沒有其他卡可以給你 3% 的現金返還，而且沒有瘋狂的限制，」Silagadze 說。

“I think it's the first time I've been able to get my friends who are outside of crypto interested” in a crypto product, Scroll co-founder Sandy Peng added. “It's genuinely a better credit card product” rather than just "a better crypto product."

Scroll 聯合創始人 Sandy Peng 補充道，「我認為這是我第一次能夠讓加密貨幣以外的朋友對加密產品感興趣」。 “這確實是一種更好的信用卡產品”，而不僅僅是“一種更好的加密產品”。