etherfi just proposed migrating its entire credit backend to a dedicated aave V4 hub on optimism. 70,000 active cards, $1b annualized card spend, $175m initial deposit targeting $500m, 20% revenue share to aave DAO. this is a consumer fintech with $300k/week in revenue choosing aave V4 as its credit layer over building its own. aave generated more revenue in the first 9 days of june than all of may. YTD revenue already 14.4% above 2025's full year total. the hub-and-spoke model was designed for exactly this. tokenized securities spokes, RWA spokes, now consumer fintech spokes. if this proposal passes it sets the template for every crypto card and neobank to plug into aave instead of competing with it