Most of Etherfi's revenue comes from its card business rather than staking.

@ether_fi Cash makes up more than 60% of revenue, and daily volume has climbed from a few hundred thousand dollars to a few million. The consumer business now outweighs the original staking protocol.

The larger vision is a single vault that holds your crypto, stocks, and commodities and lets you borrow or spend against any of it. You would no longer need to sell your holdings to free up cash.

Traditional banks don't offer this because letting you borrow against your assets would undercut their trading and lending fees. This is still a roadmap but it shows Etherfi's goal of becoming a full onchain bank.

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