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Migration aims to accelerate onchain payments and deepen liquidity for EtherFi's 70,000+ active cardholders on the Superchain.
February 18, 2026
Companies mentioned:
Etherfi, the largest non-custodial crypto credit card provider, announced its plan to migrate its entire platform to Optimism's OP Mainnet. The move will transfer over $160 million in Total Value Locked (TVL), more than 300,000 user accounts, and 70,000+ active cards to the Layer 2 network.
This strategic shift positions OP Mainnet as a premier hub for payments activity within the crypto ecosystem. Through a long-term partnership under Optimism's OP Enterprise program, ether.fi aims to accelerate the adoption of seamless, global payments powered by blockchain technology. "Optimism is the ideal partner for scaling payments at a global level," the announcement highlights, emphasizing the alignment with Ethereum's broader vision.
As an OP Enterprise customer, ether.fi gains immediate access to a suite of advantages on the proven public network, including:
ether.fi Cash, which launched last year, combines the convenience of a neobank with DeFi's core benefits. Users can effortlessly convert fiat to crypto, earn yields on savings, spend globally with a credit card, receive cash back rewards, and manage assets via a non-custodial wallet. The product has rapidly ascended to market leadership, outpacing established competitors despite their longer tenure in the space.
By integrating with Optimism, the company aims to provide its users with deeper liquidity, access to a mature DeFi ecosystem, and native support for stablecoins like USDC.
The partnership signals a broader trend of established crypto-native financial products moving to Layer 2 solutions to enhance scalability and user experience. For Etherfi cardholders, the move promises a more seamless payments experience and enhanced cashback rewards in USDC, ETH, and BTC. The migration will be conducted over the coming months, with both teams working to ensure a secure transition for all users.
Read More:
https://www.optimism.io/blog/ether.fi-is-migrating-to-optimism-op-mainnet
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