Overview

Choose Direct Pay to debit an eligible account balance, or Borrow to finance purchases against collateral. The app lets you set spending priority. Borrowing accrues variable interest immediately, without a grace period, and falling collateral value can trigger liquidation. A refunded Borrow purchase does not automatically reduce the debt: funds return to the account and you must repay separately. Eligible purchase rewards are paid in ETHFI after settlement and a seven-day lock; rates depend on membership and monthly spending bands, and cash-like payments are excluded. Card applications require identity verification in supported countries, including Brazil, Canada and much of Europe; US access depends on the state. Physical delivery has its own restrictions. Compare membership costs, current rewards terms and the live borrowing rate before choosing a mode.