2Fiat vs ether.fi Cash
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: ether.fi Cash wins overall (6.4/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  ether.fi Cash | |
|---|---|---|
| Overall score | 5.3 | 6.4 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | No KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 1% |
| Monthly fee | none | none |
| Cashback | none | 3% in ETHFI |
| Regions | GLOBAL | US, UK, EEA, APAC, LATAM |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick ether.fi Cash if
- Known fee stack (9.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (3% vs 0)
- Wider documented availability
2Fiat
A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.