ether.fi Cash vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  Vivid Money | |
|---|---|---|
| Overall score | 6.4 | 4.7 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 1% |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | 4% |
| Regions | US, UK, EEA, APAC, LATAM | EEA |
Pick ether.fi Cash if
- Wider documented availability
Pick Vivid Money if
- Higher documented cashback (4% vs 3)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.