Question 1

Do I have to sell my assets to spend them?

Accepted Answer

No. Spending draws against the value of what you have locked, at a per-asset haircut, so you keep the position and repay the drawn balance over time instead of selling.

Question 2

When can I get the card?

Accepted Answer

Gether is in a waitlist phase. Join the waitlist and we will email you when access opens where you live.

Question 3

What stops me from spending more than my holdings are worth?

Accepted Answer

A health-factor guardrail declines any spend that would push your position past a safe threshold. You restore headroom by repaying the drawn balance or locking more of what you hold.

Question 4

What can back my spending power?

Accepted Answer

Tokenized stocks, crypto, and cash (a USD stablecoin). Each one takes its own loan-to-value haircut, and what each is currently worth is shown in your account before you lock it.

Question 5

What does it cost?

Accepted Answer

There is no monthly fee. What a drawn balance costs is shown in your account before your first draw.

Question 6

Who is Gether for?

Accepted Answer

People and companies who hold positions they would rather not sell to pay for things. Gether is built for four classes of holding: stablecoins, major crypto, tokenized assets such as tokenized stocks, treasuries and funds, and Hyperliquid account balances.

Question 7

Which assets count toward spending power today?

Accepted Answer

What each asset counts for is shown in the app before you add it. Today the collateral rail backs USDC; other assets are counted as the rail adds them, and no share is published for an asset the rail does not back.