Ether.fi will route its fiat and crypto payments through MoonPay under a partnership announced on October 6, 2026, the same month the ether.fi card processed $123.7 million across 1.5 million transactions and more than 48,000 active addresses, according to Paymentscan data cited by the company.

The deal makes MoonPay the official payments infrastructure partner for the self-custodial onchain neobank. MoonPay will supply four products inside the ether.fi app: Headless Ramps, MoonPay Trade, Enterprise Virtual Accounts and Crypto Deposits. Rollout is expected over the coming months.

What does the integration cover?

• Headless Ramps: Embedded fiat onramps and offramps that keep users inside the ether.fi interface, without redirects to MoonPay's consumer site.
• MoonPay Trade: Cross-chain routing and crypto conversions executed within the ether.fi app.
• Enterprise Virtual Accounts: Account and routing details for ether.fi users, supporting ACH, Fedwire, SWIFT, Faster Payments and SEPA rails.
• Crypto Deposits: Inbound transfers from external wallets or exchanges, converted into a user's ether.fi balance.

The goal is to reduce the number of vendors handling funding, movement and withdrawal flows. Users will complete identity verification once and reuse the cleared profile across supported products, subject to local jurisdiction rules.

How is ether.fi framing the move?

Ether.fi co-founder and Chief Growth Officer Rok Kopp positioned the neobank against incumbent finance rather than competing crypto wallets. "The bar for ether.fi isn't other crypto products," Kopp said. "It's whatever banking app a user opens every morning."

MoonPay chief executive and founder Ivan Soto-Wright framed consolidation as the winning strategy in an increasingly fragmented onchain stack. "The platforms that win will be the ones that make money move simply," Soto-Wright said.

What does this mean for self-custody?

The partnership preserves ether.fi's self-custodial architecture. Users keep control of wallet keys; MoonPay operates licensed payments and compliance infrastructure at the chokepoints where funds cross between bank rails and crypto balances. That separation matters as ether.fi extends beyond the Ethereum liquid staking roots that anchored its early user base.

How fast is the card business growing?

September card volume of $123.7 million represents a roughly fivefold year-on-year increase from $24.1 million in September 2025, based on ether.fi's figures.

Cumulative since the card's April 2025 launch:

• Spending: approximately $918 million
• Transactions: 11.6 million
• Active addresses: 113,000

The company did not disclose revenue or interchange economics. It also did not break out which portion of card volume is denominated in stablecoins versus fiat balances settled through MoonPay's payment rails.

What happens next?

MoonPay's products will deploy inside the ether.fi app over the next several months, with Headless Ramps and Crypto Deposits the most visible changes for end users. The bigger test will be regulatory: virtual account issuance across ACH, Fedwire, SWIFT, Faster Payments and SEPA introduces money-transmission exposure that the current single-provider model will need to absorb. Whether ether.fi can fold those compliance costs into a banking-grade experience, Kopp's stated benchmark, will determine if the consolidation delivers the operating leverage both partners are betting on.