0x.Nya

Look what I found! Gun-CHU collectible rarible.com/token/0x3f4ad4… #rarible via @rarible

@MikeSilagadze @ether_fi DM'ed back

@jin_devilfruits @ether_fi Check DMs

Well, apparently I still did not get my refund. They are checking internally with team while Visa agreed already. Taking shit long time, been 5.5 months already... @ether_fi

@dcfgod But... x.com/i/status/20559…

But the token is all time low

@WazzCrypto Lmao. Crime szn

Wait MegaETH biggest DEX had the LP fees set at 50% for the first day and not documented anywhere?? LMAOOOOooooooooooo Extraction SZN

@WatcherGuru Do you get an airdrop?

🇺🇸 US Government is collecting donations to help pay off its $39 trillion debt.

Finally solved. Thank you. It took a while but glad it is resolved :) @ether_fi

Day 109

All comes to intent. There is no good racism or bad but there is good intent and bad intent. And also one being ignorant or not about it, i.e. living in white washed environment or not. Your last note on what you like or not. Culture follows those who live there. Cannot really stop it except embrace it, instead of denying. People in europe tend to complain about migrant culture taking over, but what do you really expect? They come as cheap labour 50 years ago and help out your country, now they settle down and people dont like it? Short sighted view.

there is good racism and there is bad racism example of bad racism: a random indian dude posts a positive selfie of himself on holiday, doesn't harm or insult anyone, just minding his own business and you insult him online example of good racism: you and your boys are out for dinner. your friend is chinese. a dog walks by and you tell your friend "bro, i know you are hungry, but don't eat the dog" when it comes to racism, your intentions matter. if you are trying to be funny at the expense of a stereotype, that's good racism. if you actually wanna be hurtful to an individual bc of their race, that's bad in addition, your world view should 100% include racial preferences. ignoring racial or cultural differences due to exaggerated empathy is a sign of low iq. let me give you an example here too: i have worked with several nigerians. they have all been low trust and tried to scam or extract more money. as a result, i just decided that i will - in general - not work with nigerians. it is a time saving measure to avoid wasting time on hiring the wrong people. if i ever come across a high performing, high integrity nigerian, i would obviously work with him, but i am wary of his kind compared to the global average, i have very strong racial and cultural preferences. there are certain races and cultures i like and certain ones i do not like like: swiss, USA, hk, singapore, thailand, mexico, italian don't like: german, french, nigeria, india, pakistan, north africa and guess what? most of my closest friends are germans and indians. not liking a culture and having individual friends from that culture are not mutually exclusive finally, i enjoy every culture in their own country. it's one of my favorite things to travel to a small german village in summer and experience pure german culture, untouched by the rest of the world. i also very much enjoy being in super chinese cities like hangzhou or nanjing. but you know what i don't like? tons of chinese people in my swiss city or arabic cultures taking over european cultures it's time that we bring back racism, but in a healthy way

@redhairshanks86 I frequently work with Americans, Asians, and Europeans. Americans talk big, boost a lot, almost like Indians. They can do all but yet reality proofs that they overstate their performance while the Europeans remain more modest and humble (not more than Asians though).

i have no problem with this company, they seem cool, i just wanna comment on how funny it is to see EUROPEAN company compensations vs US 36k per year in NY is what interns make and europeans wanna give that to the head of growth. but tbh, this makes sense: european workers are indeed worth less on avg than american ones. most europeans don’t grind as hard as americans, so their worth is simply lower. tbh i am quite bearish on the european labor force. you either want top performers who are significantly more expensive or you can just go with lower income countries, especially with claude europeans are right in the middle, which is th most useless zone

@MikeSilagadze @ether_fi x.com/jin_devilfruit… Still waiting

When we designed the cross chain system for @ether_fi we spent a lot of time to ensure the core asset doesn’t get rekt in case of L2 or bridge issues. Rate limits everywhere. Multiple DVNs. Hypernative active monitoring. Seeing these kinds of hacks really pisses me off.

Related to multi sig of x.com/hero_glyphs

Anyone got free money from 0x888d768764a2e304215247f0ba3457ccb0f0ab4f ?

@laurashin @ether_fi Yes but... x.com/i/status/20440…

Thank you @ether_fi for sponsoring Unchained and for actually building something people can use every day! 💙 My card gives me 3% back on everything. EVERYTHING. And 15% back on food & ride apps?! 👀 That's what Ether.fi is giving Unchained listeners, while your bank charges YOU just to exist. I made the switch. You should too. 👇 ether.fi/unchained x.com/i/broadcasts/1…

Day 104 and still no refund @ether_fi C'mon you can do better, just a mere 650 dollar while you guys make good money but yet wait for b2b return for visa for your loyal costumers who are getting frauded. This ain't it really.

@MeshClans All useless if they treat customers like shit x.com/i/status/20404…

Etherfi just did something wild that most DeFi protocols talk about but never actually pull off. Their card product completely flipped the revenue model. Back in October 2024, cards were literally at 0% of revenue. Fast forward to March 2026 and cards hit 55% while staking dropped to 39%. Look at those purple bars in the chart. They're telling a story that most people completely missed. Most protocols love talking about revenue diversification. @ether_fi actually went and did it. Q4 2025: $126M in card spend (+160% QoQ), running at $663M annualized with over 60% market share of all Visa crypto cards. ~$45M in FY2025, targeting $100M+ for 2026. In less than two years, they built the largest non-custodial crypto card out there. We're talking about ~70,000 active cards and growing, migrating to OP Mainnet right now, processing around $2M in daily spend as of early 2026. Here's the thing: staking revenue stays married to ETH price, hovering around $500K-$1M weekly, but card revenue grows with people actually spending money on groceries, rent, and daily life. Interchange fees keep stacking regardless of where ETH goes, borrow interest compounds every day, so you've got two revenue streams that basically move independently. This is the part that blew my mind: 80% of card users are also Liquid Vault users. It's a flywheel most protocols can't touch: - User drops ETH in vault (earns yield, rates move around) - Gets a card backed by that same ETH (3% cashback) - Spends like $2K monthly on regular expenses - Generates interchange fees + borrow interest - Never sells their ETH The protocol's making money on both the parked capital and the daily behavior. Perp DEXs and crypto cards are the only two things in crypto that generate real cash flow: - Perp DEXs: Volume-driven, crushing it when markets are hot - Crypto cards: Behavior-driven, steady across different conditions Both work, just different superpowers. Perps print money in bull runs, cards print when people gotta eat. The Visa crypto card market exploded 525% in 2025. Monthly spend went from $14.6M in January to $91.3M by December. Etherfi grabbed over 60% of that growth with a single product they launched in September. Three things coming together right now: - OP Mainnet migration: Way better compliance setup, basically zero gas costs - GENIUS Act: Finally some stablecoin clarity in the US - Payment rails: Crypto-to-fiat infrastructure actually maturing The valuation thing is nuts. Etherfi's sitting at ~$417M FDV with $60M annualized revenue. That's roughly 7x price-to-revenue. Here's what that looks like: - Hit $100M revenue in 2026 → drops to ~4x - Scale to $1B revenue in 3-4 years → the kind of re-rating that changes everything Market's treating neobank revenue like it's farming APR. It's really not. What etherfi's showing here is that neobank products in crypto can prove things traditional DeFi just can't: - Cash flow that works in any market - Actual product-market fit with real utility - Revenue from both the money sitting there and people using it Tons of room to grow as more people adopt. Five things I'm watching: 1. Other liquid staking protocols launching their own cards 2. How card spending holds up when markets get rough 3. Borrow Mode adoption as they dial in incentives 4. What Coinbase and Crypto..com end up building in non-custodial 5. The corporate card play (eyeing that $100B opportunity) The chart says it all. Card revenue (purple) growing right alongside staking revenue (black). Not cannibalizing, just adding. Protocols that build actual products for actual problems find product-market fit. Multiple revenue streams make way more resilient businesses. DeFi infrastructure finally growing up past pure speculation. This is what sustainable crypto businesses actually look like. cc: @KoppKnows @MikeSilagadze @crypto_linn

Nice figures, but yet fraudulent TX on your CC is being B2B investigated and you as consumer takes the short end. Unlike banks, they won't refund consumers in advance, but await Visa investigation that takes dinosaur ages. So until that is fixed, they won't replace banks. x.com/jin_devilfruit…

Onchain neobanks will eat traditional fintech. @ether_fi just hit $2.87 million in daily spend volume. Founder @KoppKnows is positioning the company to compete directly with @Revolut and @RobinhoodApp within 3 to 5 years. The model is simple: users deposit assets like ETH, BTC, or stablecoins, earn yield through staking and vaults, and spend via a payment card. The card allows borrowing against collateral at around 4% interest. Non-custodial structure keeps user ownership intact while settlement runs faster than traditional rails. This is my link in case you want to create an account: ether.fi/refer/012f093c The interesting part is you can earn yield on stablecoins that exceeds the 4% borrowing rate. That creates a carry trade opportunity where your deposits cover the cost of your debt. But that 4% rate is not optimal. A high percentage of credit card users carry debt for months or even years. For those users, borrowing infrastructure matters. FX Mint (from @protocol_fx) already offers 0.7% fixed rates on debt issuance, regardless of duration. EtherFi could either capture that spread and increase revenue, or pass it through to users and make the carry trade far more attractive. The moment mainstream users understand they can hold, grow, and spend crypto without giving up custody, the traditional neobank model becomes obsolete.

x.com/jin_devilfruit… Day 94 and still nothing. @ether_fi

x.com/jin_devilfruit… Etherfi → 8/10 Good working product, but some CC are being frauded and your money being refunded takes ages. I am at day 90+ and still no reaction except case being investigated by Visa. They do B2B and don't credit you in advance, despite the obvious. @MikeSilagadze

Rating my experience with crypto cards ↓ KAST → 9/10 Payy → 7/10 Etherfi → 10/10 Tria → 7.5/10 Ready → 8/10 Gnosis → 7.5/10 Cypher → 7/10 Avici → 9/10 Pyra → 6.5/10 Do you agree?

@ryandcrypto I thought it started already, not retrospective point collecting to date so far?

Hyperliquid airdrop season 3 started February 18th 2026 You just don't know it yet Lock in Hyperliquid