Ether.Fi 将在 Scroll 网络上推出 Visa“现金”卡

Ether.fi 的信用卡将奖励 3% 的现金返还，并让用户可以用加密货币抵押品借钱。

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.

以其流动性重新抵押服务而闻名的 Ether.fi 宣布与以太坊上的第 2 层网络 Scroll 合作推出一款新的基于区块链的信用卡 Ether.fi Cash。该卡旨在为用户提供使用法定货币的能力，同时利用其加密资产作为抵押品。

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 目前可供预订，根据 Ether.fi 的新闻稿，Cash 用户将在所有交易中获得 3% 的现金返还奖励，没有任何限制。该卡将作为实体 Visa 信用卡发行，旨在与 Apple Pay 等移动支付​​提供商兼容。

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 联合创始人 Mike Silagadze 在接受 CoinDesk 采访时表示，该卡的目标受众最初包括加密货币爱好者和从事去中心化金融 (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，将是加密货币‘堕落者’，比如 DeFi，疯狂的人，”Silagadze 说。

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

据报道，该卡的 DeFi 集成将使用户能够以其加密货币抵押品进行借贷，从而将该卡的功能扩展到简单的法定购买之外。

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，该卡的 DeFi 借贷功能在与 Aave on Scroll 等借贷平台结合使用时特别有利。

“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 个以太坊并使用这张信用卡，那么对你来说，这将是你能找到的世界上最便宜的信用卡，”Silagadze 说。

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并不是加密货币行业创建信用卡的第一次尝试，之前的努力未能实现广泛的主流采用。不过，Ether.fi 和 Scroll 乐观地认为 Ether.fi Cash 将遭遇不同的命运。

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

Silagadze 的愿望不仅限于加密货币用户，旨在最终激起非加密货币用户的兴趣。

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

“没有其他卡可以在没有疯狂限制的情况下为您提供 3% 的现金返还，”Silagadze 说。

“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 联合创始人 Sandy Peng 补充道，“我认为这是我第一次能够让加密货币之外的朋友对加密产品感兴趣”。 “这确实是一种更好的信用卡产品”，而不仅仅是“一种更好的加密产品”。