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DeFi · 1 min read

Ether.fi Integrates MoonPay Infrastructure for Self-Custodial Neobank Services

The rollout incorporates embedded ramps, virtual bank accounts, and cross-chain routing while users retain self-custodial control.

Editorial oversight: Julian Mercer, Chief Editor
Bullish

At a glance Announced

What happened
Ether.fi partnered with MoonPay to integrate headless fiat ramps, virtual accounts, and cross-chain transactions into its non-custodial platform [1].
Why it matters
The deployment allows users to receive paychecks and wire transfers on global rails while retaining custody of their cryptographic keys [1].
Who is affected
Ether.fi neobank and card users, alongside MoonPay's payment and routing infrastructure [1].
What's next
The four MoonPay products will deploy across the ether.fi platform over the coming months [1].
Primary source
PR Newswire: Ether.fi Deploys MoonPay's Full Infrastructure Stack to Bring Money In, Around, and Out of a Self-Custodial Neobank

Key points

  • Ether.fi integrated MoonPay's payment rails, adding embedded fiat ramps, cross-chain swaps, and virtual banking accounts while maintaining self-custody 1.
  • Users gain virtual routing details compatible with ACH, Fedwire, SWIFT, and SEPA to deposit wages directly into non-custodial accounts 1.
  • Ether.fi card spend reached $123.7 million across 1.5 million transactions in September 2026, bringing lifetime card volume to $918.1 million 1.

Non-custodial neobank ether.fi announced an infrastructure integration with payments provider MoonPay on Oct. 6, 2026, embedding fiat on-ramps, virtual bank accounts, and cross-chain conversions directly into its application 1. The partnership integrates four core MoonPay systems—Headless Ramps, Trade, Enterprise, and Crypto Deposits—under a single user interface, eliminating third-party redirects and redundant identity checks 1.

Under the arrangement, MoonPay Enterprise assigns virtual bank routing and account numbers to ether.fi accounts, providing connections to regional payment networks such as ACH, Fedwire, SWIFT, SEPA, and Faster Payments 1. This enables direct payroll deposits and wire settlements, while MoonPay Headless Ramps allows one-tap debit and credit card funding 1. A detailed overview of how these fiat-to-crypto channels operate can be found in our guide to fiat on-ramps and off-ramps.

Card Volume Crosses $120M Monthly

The integration arrives amid rising everyday consumer usage across ether.fi's crypto card, with onchain spend climbing 5x year-over-year 1. Paymentscan figures show monthly card volume reached $123.7 million across 1.5 million transactions and 48,162 active addresses in September 2026, up from $24.1 million in September 2025 1. Cumulative card spend totaled $918.1 million across 11.6 million transactions and 113,000 addresses since launching in April 2025 1.

Ether.fi, which commands over $6 billion in assets under management across its restaking and card divisions, structured the integration to maintain non-custodial ownership 1. Because users retain control of their underlying cryptographic keys, ether.fi bypasses jurisdictional banking licenses for its core wallet, leaving local regulatory compliance and fiat settlement to MoonPay's licensed entities 1. MoonPay's products will roll out sequentially across the ether.fi platform over the coming months 1.

Sources

  1. [1] Ether.fi Deploys MoonPay's Full Infrastructure Stack to Bring Money In, Around, and Out of a Self-Custodial Neobank — PR Newswire, October 6, 2026

Written by Basis Desk's newsroom system from the primary sources above and machine-verified against them before publication. Market figures marked "at the time of writing" come from live exchange data. Report an error: corrections@basisdesk.news · corrections policy.

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