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@chaskin.eth
Just wrapped up Ethereum App Builders Roundtable #4 featuring ether.fi & vaults.fyi We covered staking, DeFi yield, protocol insights, and building on Ethereum Overview thread for the lazy who don’t want to listen to the recording 1/15 🧵👇 https://x.com/i/spaces/1BdGYqBENeYGX
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@chaskin.eth
2/15 🧵ether_fi: From Staking to a Crypto-Native Bank - Started with liquid staking & restaking (~5% of all ETH staked) - Now expanding into a full DeFi suite: yield vaults, non-custodial wallets, credit cards, and borrowing - The goal? A crypto-native Revolut/Chime alternative
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@chaskin.eth
3/15 🧵 ether.fi Cash: - A non-custodial smart wallet & credit card for direct spending - 1:1 spending, no fees, 3% cashback, and borrowing against DeFi positions - Future vision: A full banking replacement built on Ethereum
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@chaskin.eth
4/15 🧵Challenges in Building ether.fi Cash: - Regulatory grind: Licensing (EMI, VASP, Visa/Mastercard approvals) - Bootstrapping a banking alternative while staying compliant - Long-term goal: Cut reliance on TradFi, create an onchain payments network
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@chaskin.eth
5/15 🧵On Staking & Decentralization: - ether.fi delegates across 20+ node operators + supports solo stakers with DVT - Pre-Pectra, built safeguards against node operators holding funds hostage - Focused on reducing centralization risk in Ethereum staking
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@chaskin.eth
6/15 🧵Thoughts on Ethereum Scaling: "If I had a magic wand, I'd scale L1 in addition to L2 improvements. The goal should be increasing Ethereum’s throughput while keeping decentralization."
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@chaskin.eth
7/15 🧵Where does ether.fi’s yield come from? - Some DeFi yields still fueled by speculation - Now supplemented by tokenized RWAs like US Treasuries - Long-term goal: Real economic activity driving on-chain yield
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@chaskin.eth
8/15 🧵vaults.fyi Making Onchain Yield Easy - A onestop shop for DeFi yield, aggregating 500+ vaults across 40+ protocols - Helps users find, compare, and manage yield strategies across Ethereum & L2s - No smart contract custody, just surfacing data, risk insights, & execution
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@chaskin.eth
9/15 🧵 How vaults.fyi approaches risk: - Risk in DeFi is complex: Smart contract risk, governance, exploits - They focus on reputation-based scoring (protocol longevity, collateral quality, L2 security) - Future: More tools for user risk transparency & alerts
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