EtherFi just proposed migrating its entire credit backend to a dedicated Aave V4 hub on Optimism.

70,000 active cards. $1B annualized card spend. $300K in weekly revenue.
Instead of building their own credit layer, they chose Aave V4.
That’s the signal.
When a consumer fintech with real users and real revenue decides to plug into Aave rather than compete with it — the Hub-and-Spoke model just proved itself in production.
The terms: $175M initial deposit targeting $500M, with 20% revenue share flowing back to the Aave DAO.
This fits the bigger picture Aave is building:
Tokenized securities spokes
RWA spokes
Now consumer fintech spokes
Each vertical chooses Aave as the shared credit infrastructure instead of building their own rails.
The numbers already confirm the thesis is working:
Aave generated more revenue in the first 9 days of June than in all of May. YTD revenue is already 14.4% higher than the full year of 2025.
If this proposal passes, it sets a clear template.
Every crypto card. Every neobank. Every fintech needing credit infrastructure now has a proven alternative to building from scratch.
Plug into Aave instead of competing with it.
That’s not just a DeFi story.
That’s how the next generation of financial infrastructure gets built.
$AAVE