The Best Crypto Card I've Ever Tried

How I Get a 50% Discount on Everything I Buy (Legally)

“Whoever has the gold makes the rules.”

I heard that not long ago from a powerful banker. One who moves a serious chunk of my country’s GDP.

And while it sounds nice on a global scale, I think it’s simpler than that:

whoever has the money makes the rules.

In the 20th century, that was the banks.

They wrapped it all up in fancy words: fractional reserve, repayment capacity, you name it.

But if you really look at it, it’s much simpler:

If you have a banking license, you get permission to take people’s money, lend it to others, and even create money out of thin air.

You get to decide which projects get funded.

And we both know success often has more to do with luck and timing than with decks and plans.

Let me give you an example. I spent years working with the biggest fuel company in my country.

They were a client of mine.

One day, Boston Consulting Group came in to build a business case on how to grow the loyalty program.

After dozens of slides and Excel models… guess what worked?

Giving away a Mickey Mouse mug.

That’s how it’s always been. Banks have played you all your life.

They lent to their friends. They decided who gets to be rich and who doesn’t.

But in the 21st century, things have changed.

Many will still be tied to a bank for the next 50 years.

But with the trick I’m giving you today, you won’t need one.

Blockchain lets you create money and be your own bank.

I’ve already shared a bunch of strategies in past newsletters.

The strongest of all: Buy Borrow Die.

There are plenty more, if you haven’t subscribed yet, I suggest you do. You’ll save way more than the subscription costs.

If you don’t know how Buy Borrow Die works, here’s a simple graphic:

But today I want to talk to you about the best card that lets you be your own bank in the 21st century.

I’ve tested plenty: Gnosis Pay, Ready, Zeal, Bleap…

Most of them offer benefits no traditional bank would ever give you but this one goes even further.

The card is called Ether.fi

Here’s my link: https://www.ether.fi/refer/3fe80bf2

It’s the one I’ve been using recently.

First of all: it runs on its own staking protocol.

One of the largest in the game.

Specifically, it’s the 5th biggest, with over $8B in assets under custody.

That kind of liquidity is worth a whole newsletter by itself. But let’s focus on what matters now:

Why this protocol?

1. 3% cashback

2. Lets you borrow at 4%

3. Your cash grows at 7%

Doesn’t sound like much?

Let’s run the numbers.

Following the Buy Borrow Die strategy, I go to the world’s largest lending protocol, AAVE, and borrow 100,000 USDC at 5% interest.

Then I deposit that USDC into Liquid by Ether.fi, which pays 7% APY.

That’s a 2% spread for doing nothing, $2,000 a year.

Now, let’s say I spend $2,000 a month → $24,000 a year.

Because I don’t spend all of it on day one, the effective borrow cost drops, say to 2% annually.

Meanwhile, the cashback is 3%.

So 24,000 * (3% - 2%) = $240 extra cashback.

Total delta: 2,000 (interest spread) + 240 (cashback) = $2,240

All from money that wasn’t even yours.

That’s roughly a 10% discount on everything you spent.

But it gets even better:

If instead of spending those 24,000, you had invested them in something: Bitcoin, gold, stocks and made just 10%…

That’s another $2,400.

And let’s assume you had to lock up $100,000 in collateral to get that loan.

If that asset also yields 10%, that’s $10,000 more.

10,000 (collateral) + 2,400 (investment) + 2,240 (cashback + spread) = $14,640

You spent $24,000 → captured over $14k in value.

That’s more than a 50% effective “discount” on your total spending.

And that’s just year one.

After year one, your Ether.fi account has grown from $100k to $107k.

By the end of year two? Nearly $120k.

Now do the same thing with a traditional bank.

You need to have $100k in cash sitting there.

You can’t invest it.

The bank gives you… what, 1–2% if you’re lucky?

After a year, your net asset position ends up around $76k (after spending, inflation, and lost opportunities).

If you’re reading this, you’re early.

The 21st century will belong to those who move first.

Here’s the link again: https://www.ether.fi/refer/3fe80bf2

Summary 👇🏽