ether.fi Cash vs Nuri
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 3.2/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  Nuri | |
|---|---|---|
| Overall score | 6.4 | 3.2 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Basic KYC |
| Custody | Self-custody | Self-custody |
| Top-up fee | 0% | not documented |
| FX fee | 1% | not documented |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | none |
| Regions | US, UK, EEA, APAC, LATAM | GLOBAL |
Pick ether.fi Cash if
- Higher documented cashback (3% vs none)
- Wider documented availability
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
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.
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.