ether.fi Cash vs Moon
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 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  Moon | |
|---|---|---|
| Overall score | 6.4 | 3.8 |
| 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 | Custodial |
| Top-up fee | 0% | not documented |
| FX fee | 1% | 0% |
| 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 0)
- Wider documented availability
Pick Moon if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning top-up support
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.
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.