Ethereum restaking protocol Ether.fi has proposed introducing Aave V4 infrastructure on Optimism to strengthen the financial backend of its crypto credit card, EtherFi Cash. The core idea is to replace the existing Debt Manager system, which handles card credit and lending systems, with the Aave V4 lending infrastructure. Aave will receive 20% of the Reserve Factor Income in exchange for providing the V4 deployment source code and operating license. The stablecoin GHO will be added as a major lending asset in this market and may be integrated as a direct payment/deposit asset for EtherFi Cash cards in the future, at the discretion of the Aave DAO. EtherFi Cash is a real-world asset-backed card that allows users to borrow stablecoins against interest-bearing assets they have deposited to process Visa payments, and operating its own lending engine has become burdensome.