Why it stands out
- Supported assets can earn variable lending yield in Exactly Protocol.
- Users can spend selected balances or borrow USDC against collateral.
- The card runs through Exa wallet and Exactly Protocol, not a CEX balance.
Visa Signature cardStandard card design
Self-custody Visa credit/debit card
Exa Card
A Visa Signature card built around the Exa App and Exactly Protocol: Pay Now spends the selected balance, Pay Later opens fixed-rate USDC credit against collateral, and collateral can earn lending yield.
Self-custodyCrypto-nativeETH depositsFree base planMulti-assetStablecoin rails
Complete supported-country allowlist: 46 supported country records and 204 unavailable country records.
Main trade-offs
- Chain, smart-contract and protocol risks are part of the card model.
- Borrowing against collateral is harder than normal debit card use.
- Exa is virtual-only; cash access requires a phone-wallet ATM.
01 · Core economics
Costs that matter
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Monthly plan$0/moNo recurring monthly plan fee in the approved offer
Top-up1%Funding fees can change the real card economics.
Foreign exchange1.5%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawal$1 + 0.65%Fixed and percentage fees make routine cash use expensive.
Limits and secondary feesLimits and other fees
Daily card spendDynamic / collateral-based; exact Exa App limit shown in appListed
Monthly card spendDynamic / collateral-based; exact Exa App limit shown in appListed
ATM limit$250/withdrawal; $1000/dayListed
Account depositUnknownListed
02 · Rewards programme
No ongoing purchase rewards are confirmed
The reviewed profile does not confirm an ongoing purchase cashback programme for Exa Card. Earn, yield and referral offers are separate.
No ongoing purchase cashback is approved
Same as the approved base rate
No cashback
Approved programme cap
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Exactly Protocol / Exa
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 5 routesCrypto depositsUSDCUSDTETHOP6 assetsBank depositsACHFedwireSEPAUSDEUR
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receipt
USDCUSDTETHOP6 assets
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
WBTC, wstETH, Optimism, Base, Solana, Stellar, Tron, Ethereum
Access path
Via connected wallet
Asset / network map
USDC: Optimism, Base, Solana, Stellar · USDT: Tron · ETH: Ethereum
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Supported receive and outbound networks for this stablecoin. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
4 routes
USD ACH deposit
Bridge-powered receive rail; options and limits are jurisdiction-dependent.
USD
- Fee
- 0.4%
- Speed
- 1–3 business days
- Limits
- Bridge-powered receive rail; options and limits are jurisdiction-dependent.
- Availability
- Region-dependent
Route details
Fee components
- 0.4% · transfer
Access path
Via connected wallet
Availability
Bridge-powered receive rail; options and limits are jurisdiction-dependent.
USD wire deposit
Receives funds through the listed bank or payment rail.
USD
- Fee
- 1%
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 1% · transfer
Access path
Via connected wallet
Limit scope
Not publicly confirmed
EUR SEPA deposit
EUR transfers are converted to USDC at the applicable exchange rate before crediting the Exa account.
EUR
- Fee
- 0.7%
- Speed
- 1–2 business days
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0.7% · transfer
Access path
Via connected wallet
Availability
EUR transfers are converted to USDC at the applicable exchange rate before crediting the Exa account.
Limit scope
Not publicly confirmed
Local currency deposit
Receives funds through the listed bank or payment rail.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Fee scope
Embedded in displayed exchange rate or shown in app
Limit scope
Not publicly confirmed
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Supported stablecoins follow the account credit settings. 4 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle · 1 routeExternal crypto sendsUSDC1 network
External crypto sends
1 route
Crypto sends
Sends supported assets through the listed crypto transfer route.
USDCOptimism
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Asset / network map
USDC: Optimism
Availability
Optimism network
Fee scope
0 cost through OP Mainnet
Account setup
wallet
05 · Credit & yield
Collateral assets earn yield and back spending
Supported collateral assets can earn variable lending yield. Pay Now spends the balance; Pay Later opens USDC credit against collateral.
Collateral credit
Exactly Protocol collateral yield
Up to 1.0% APY
- Yield source
- Exactly Protocol lending pools
- Yield mechanism
- Lending pool
- Protocols
- Exactly Protocol
- Strategy manager
- Exactly Protocol
- Risk exposure
- smart contracts, protocol, liquidity, market, liquidation, regulatory, stablecoin peg
- Redemption
- Pay Now spends the selected balance; Pay Later opens USDC credit against collateral, so available spend depends on balance, credit and collateral health.
- Assets
- ETH, OP, USDC, WBTC, wstETH
- Card relationship
- Yield position can support collateral-backed card credit
- Separate Earn deposit
- No
- Deposit insurance
- No
Risk noteDisplayed APY is observed market data, not promised return or cashback. Borrowing costs, collateral health and liquidation risk depend on Exactly Protocol and the active channel.
06 · Trust and eligibility
Where Exactly Protocol / Exa is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed46 countries
Antigua and BarbudaArgentinaAustraliaBahamasBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaCote d'IvoireDominican RepublicEcuadorEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasHong KongJapanKenyaMalaysiaMexicoMoroccoNew ZealandNigeriaPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSenegalSingaporeSouth AfricaSurinameTrinidad and TobagoTurks and Caicos IslandsUgandaUnited Arab EmiratesUruguayZambia
Known restrictions204 countries
AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaArmeniaArubaAustriaAzerbaijanBahrainBangladeshBelarusBelgiumBeninBermudaBhutanBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsComorosCongoCongo, Democratic Republic of theCook IslandsCroatiaCubaCuracaoCyprusCzechiaDenmarkDjiboutiDominicaEgyptEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGibraltarGreeceGreenlandGuadeloupeGuamGuernseyGuineaGuinea-BissauHaitiHeard Island and McDonald IslandsHoly SeeHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJerseyJordanKazakhstanKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNicaraguaNigerNiueNorfolk IslandNorth KoreaNorth MacedoniaNorthern Mariana IslandsNorwayOmanPalauPalestinePapua New GuineaPitcairnPolandPortugalPuerto RicoQatarReunionRomaniaRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint MartinSaint Pierre and MiquelonSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSerbiaSeychellesSierra LeoneSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSudanSvalbard and Jan MayenSwedenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTunisiaTurkeyTurkmenistanTuvaluUkraineUnited KingdomUnited StatesUnited States Minor Outlying IslandsUzbekistanVanuatuVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZimbabwe
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productExactly Protocol / Exa
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard processingExa Labs SAS
Supports card processing for the applicable programme.
Card issuerThird National Bank
Issues the card for the applicable programme.
Deposits & withdrawalsBridge
Supports deposit, withdrawal or conversion rails.
Deposits & withdrawalsManteca
Supports deposit, withdrawal or conversion rails.
Programme operatorExa Labs SAS
Provides access to and manages the Exa card product experience.
Applies to: Exa Labs spend-card programme under the captured terms.Card issuerThird National
Issues the card and performs issuer functions under the captured agreement.
Applies to: Exa card programme under the captured agreement.07 · Methodology
Why the score is 64
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
64/100
ConditionalHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Everyday usability
Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.
Additional support84
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint0
Rewards value
No purchase cashback is included in the confirmed product terms.
08 · Evidence
Sources
40 sources35 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
The Exa App: Turn your crypto into instant creditOfficial source ↗The Exa App: Turn your crypto into instant creditOfficial source ↗How the Exa App works | Exactly ProtocolOfficial source ↗Exa App terms and conditions | Exa App Help CenterOfficial source ↗Exa Card terms and conditions | Exa App Help CenterOfficial source ↗Exa Card purchase limits | Exa App Help CenterOfficial source ↗
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