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EtherFi Cash Earn / Liquid Vaults
Automated DeFi strategy vaults from ether.fi that put ETH, BTC, stablecoins, EUR, and RWAs to work across top protocols while staying liquid and usable with the ether.fi Cash card.
Potential
1.6–8.4%+ APY
Risk
Low Risk
Rating
4.3/5
Best For
Users seeking automated, liquid DeFi yields with optional spending utility via a Visa card
TVL
$3.3B+
Liquid Vaults TVL
$245–380M+
Key yields
Liquid EUR 8.37%, Liquid RWA 7.15%, Liquid USD 5.23%, Liquid ETH 3.75%
Protocol Overview
Available Pools
- Liquid EUR, Liquid RWA, Liquid USD, Liquid Reserve
- Liquid ETH Yield, Liquid BTC Yield
- Core liquid restaking (weETH, eBTC, etc.)
- ETHFI staking for higher rewards + benefits
Risk Factors
- Smart contract risk across vault + underlying protocols
- Restaking / EigenLayer-style risks (slashing, operator risk)
- Strategy performance & market risk
- Variable APYs (not guaranteed)
- Regional availability restrictions
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💰 Yield Pools & APY
🛂 Eligibility Requirements
- walletWallet connection required
- regionSome vaults/products may be geo-restricted
- kycNo KYC for core Liquid deposits in most cases (Cash card may have additional requirements)
Realistic Yields
Realistic net yields for most users currently land in the 3–7% range depending on the vault chosen (higher on EUR/RWA/USD strategies, lower on pure ETH/BTC). Competitive with other managed DeFi vaults and more convenient because of the Cash card integration. Hidden costs are mainly gas + any performance/management fees baked into the vaults. Strong option for users who want passive optimized yield plus real-world spending utility, but APYs are variable and strategy risk is real.
Advantages
- Large, battle-tested protocol with multi-billion TVL
- Automated, auto-compounding strategies across top DeFi protocols
- Seamless integration with ether.fi Cash card (spend while earning)
- Liquid, composable positions usable in broader DeFi
- Diversified vault options (ETH, BTC, stables, EUR, RWA)
- Strong focus on security architecture and audits
- Non-custodial design
Risks
- Smart contract risk (vault + many underlying protocols)
- Restaking / operator / slashing risk
- Strategy underperformance or depeg risk on stables/RWAs
- Variable and non-guaranteed APYs
- Potential regional restrictions
- Higher complexity if combining with Cash card borrowing
How to Start Earning
- 1Connect your wallet
- 2Select Liquid vault (or stake weETH / ETHFI)
- 3Deposit assets
- 4Earn yield automatically
- 5Monitor or spend via Cash card
- 6Withdraw when ready
Common Questions
What is ether.fi Cash Earn / Liquid?
What APYs can I expect on ether.fi Liquid Vaults?
Is ether.fi Liquid safe?
Is there a lock-up or minimum deposit?
Can I use my yield-earning assets with the ether.fi Cash card?
What is the difference between staking weETH and Liquid vaults?
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Quick Info
- Potential
- 1.6–8.4%+ APY
- Risk Level
- Low Risk
- Chain
- Ethereum
- Token
- $ETHFI
- Pricing
- Free
- Best For
- Users seeking automated, liquid DeFi yields with optional spending utility via a Visa card
- Audience
- DeFi users, ETH stakers, yield farmers, users wanting to spend crypto while earning
- Free Tier
- No minimum. No lock-ups on Liquid vaults
- Supported Assets
- ETH, weETH, BTC/eBTC, USDC/USDT & other stables, EUR-related, RWA tokens, ETHFI
1.6–8.4%+ APY
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