EtherFi 推新代币化股票与法币出入金

[music] bankless nation. We got Mike Sagazi from Ether back on the podcast. Mike, welcome back to the show.

Hey, [music] thanks for uh having me on again. So, there is uh something brewing as I hear over in Ether, Ether land. Uh maybe for just listeners who haven't been paying attention to what's going on in Ether. Etheri really pioneered the Neo Bank whole revolution that started in 2024 and moved on into 2025. really kickstarted the whole NEO bank uh platform. I think uh first first um just with the whole restaking thing and then allowing people to do a lot of cool stuff in DeFi uh hold assets in Ether, deploy them into DeFi and also spend them starting to like really chip away at the Trady banking system and allow some of the bankless ideas to manifest into a consumer app.

As I hear it, Mike, you guys have a second act coming. Let me know. Tell me about this second act coming down the pike for Ether.

Yeah, I mean I guess it's sort of like the third act, right? Our first product was the uh uh the yield layer. So it's almost like okay, we had to like uh create a version of uh uh this is not a perfect analogy. We had to create a version of T bills that allowed us to build on top of that all the other stuff that you know users come to expect from uh you know from a finan from Tradfi. And so staking was the first yield layer defy strategy vaults.

We were actually I think the first or one of the first protocols to have protocol owned vaults. Now that's like pretty common. Um but we introduced our you know our liquid vaults. So that was kind of like right you've got the yield layer but then you want to deploy it into DeFi to earn higher rewards, higher risk. So we introduced that. Then we launched the the sort of the wrapper around that with the uh you know the crypto uh credit card that created uh the first I guess proto version of a non-custodial crypto neo bank.

Um uh and today I mean we're still the largest I think yeah if you look at all the crypto card programs we're by far the largest non-custodial one. Um, and uh, I think that the the one that sort of creates the most integrated packaged experience for users that uh, achieves what I what I think is sort of the holy grail of of DeFi uh, which is truly allowing people to get off of uh, their traditional banking rails to have self-custody over their assets uh, but not make any sacrifices but you know continue to be able to use uh, uh, you know, interact with the normal financial system while getting the benefits of uh, of DeFi and um uh you know in self-custody.

So uh so that was like the first version of it but but that first version was still very crypto uh forward. Uh I guess uh what I mean by that is you still needed to know a lot about crypto to use this this product. Even just the the way the app the product was presented it was very cryptojargony and so it was great for DeFi natives for people that you know day-to-day you know use DeFi they're comfortable depositing into a or whatever very difficult to use for normies very few normies kind of broke through

uh the pain and onboarded um um and so what we're releasing now is not only is it the next generation of that But more excitingly, the reason I'm excited about it is that it is much more normie friendly. So someone genuinely could not know anything about crypto and should be able to navigate it and get all the benefits without really having to uh have any familiarity with the sort of the underlying tech. And secondly, it actually allows people to do stuff that they would not be able to do with their traditional uh financial institutions.

So in other words, it's not just like recreating what existed before. It's actually using the power of DeFi to let you do stuff that you, you know, you previously wouldn't wouldn't have been able to to do. Which is I mean that's how you get I think crypto adoption is a it has to be normmy friendly and b there has to be like a why there, right? Like okay, I'm pretty happy with you know my Chase account. Why do I need to use this thing?

Uh and so hopefully now we uh you know we have that for for people.

What is all of that stuff? What's the meat on the bone? what is the cool things that you guys are adding into the ether ether 5 product suite?

Yeah, so the there's uh a bunch of things. Um uh the first thing is uh I guess the current limitations or previous limitations of EtherFi is uh you could only hold a pretty small number of select crypto assets like you could hold stable coins, you could hold USDC, USDT, you could hold ETH, uh you could hold like you know a wrapped version of of uh Pipe and Bitcoin, very cryptoy assets. uh we are now changing that to where you will now be able to hold uh tokenized stocks.

So a huge range of tokenized uh stocks. Uh you'll be able to hold metals. So gold, silver, all that uh great stuff along with pretty much any token uh that you want, any like any of the uh majors that you'd uh you know you'd want to hold. So it really is now becoming not just a general uh you know crypto wallet uh but can you know wrapped in a a smart contract safe but you you can actually just hold any you know any of the more trady the tokenized trady assets.

So that's pretty exciting uh first you know first time I think cryptonia bank has allowed people to uh to do that same benefits same non-custodialness uh uh you know goodness. Um the second thing that we're uh we're adding is an AV v4 an integrated AV v4 market. So what that means is uh twofold. One any any you know stables that you deposit now earn uh yield if you choose to to opt in. Uh so now you deposit your USD, you're just going to be getting two or 3% interest on it because it'll just automatically be uh loaned out uh for you.

Um, so that's a higher rate than you you get from your your bank uh typically. And uh you can actually take out loans against your entire portfolio value. So basically imagine a bank that looks at like what's in your checking account, what's in your crypto wallet, what's in your, you know, your brokerage account, package it all together and effectively give you a line of credit uh that you can now from this this a market that you can now borrow um at I think what I think is going to be a very competitive uh uh interest rate.

Obviously, it's dynamic because it's uh you know, it's a it's a DeFi uh market, but I think it'll be better that it's certainly better than any loan you can get in uh in Tradfi. And then when you take out that loan, you could of course do anything you want with it. You could spend it, you could loop. In other words, you could, you know, put some spy like S&P 500 uh tokens in there, take out a loan, buy some more tokens, do all this stuff that you do in DeFi, but now with with Trafi Assets, which is super exciting.

Uh and then uh the other big thing is like super comprehensive uh fiat rails uh very broad network support. So in other words, now you'll be able to deposit from from Tron, from Solana, from Tempo, from whatever. So you'll be able to just deposit from from anywhere. And we're going to support I think like 70 different currencies. So basically, you know, your Indian rupees, your Colombian pesos, anything you want, you'll be able to do in and out with uh really like either no fees or lowest fees on the uh on the market.

So now you can literally you can deposit your salary. You'll have a named account. Deposit your salary into Etherfy. It goes into your non-custodian account, buy your tokenized stocks, your metals, take out loans, basically do everything. and get a credit card, great great cash back, everything that you normally do need to do for the bank. But now you're a global citizen. You're not uh you know tied down to uh uh you know a particular financial institution or uh uh or you know government regime.

Self custody won, but it still has a usability problem. A seed phrase on paper is still a single point of failure. Phones get lost, devices break, b

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