Main strengths
- 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
Exa combines Visa Signature spending, variable lending yield and two payment paths in the Exa App. Pay Now uses the selected balance, while Pay Later opens fixed-rate USDC credit against collateral and follows separate repayment rules.
Self-custodyUS availableCrypto-nativeETH depositsFree base planMulti-asset
Main trade-offs
- Chain, smart-contract and protocol risks are part of the card model.
- Pay Later adds protocol debt and liquidation risk as account health changes.
- Exa is virtual-only; cash access requires a phone-wallet ATM.
01 · Core economics
Costs that matter
Exa Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Top-up1%Funding fees can change the real card economics.
Provider FX markup1.5%Check the fee shown before confirmation; there is no general purchase reward to offset it.
ATM withdrawal$1 + 0.65%Fixed and percentage fees make routine cash use expensive.
Limits and secondary feesLimits and other fees
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limit$1,000/24hListed
Account depositNot disclosedListed
02 · Rewards programme
Balance spend, collateral credit and yield
Exa Card combines Pay Now balance spend, fixed-rate Pay Later credit and collateral yield. Purchase rewards are not currently offered.
Current card programme
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- 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 payoutsAvailable
- 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 receive5 routes
Crypto deposits
1 route
Crypto depositsReceived as supported stablecoin or converted to USD balance according to card account settings · Deposited into the Exa wallet on Optimism for supported wallet, Pay Now or collateral use according to the selected assetUSDCETHOPWBTCwstETH+1Fee0%SpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0% · transfer
More assets, currencies or networks
Optimism
Access path
Via connected wallet
Asset / network map
USDC: Optimism · ETH: Optimism · OP: Optimism · WBTC: Optimism · wstETH: Optimism
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. · The product owner verified the live app scope as Optimism only for OP, wstETH, WBTC, USDC and ETH. Outbound coverage remains conservative.
Bank deposits
4 routes
USD ACH depositUSD received by ACH is converted to USDC and credited to Exa.USDFee0.4%Speed1–3 business daysLimitsOnramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 0.4% · transfer
Access path
Via connected wallet
Availability
Bridge KYC, jurisdiction and route approval apply.
Restrictions
Onramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter. Onramp access does not guarantee outbound bank-payout access.
USD wire depositUSD received by domestic US wire is converted to USDC and credited to Exa.USDFee1%SpeedVaries by railLimitsOnramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 1% · transfer
Access path
Via connected wallet
Availability
Bridge KYC, jurisdiction and domestic US wire availability apply.
Restrictions
Onramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter. Onramp access does not guarantee outbound bank-payout access.
EUR SEPA depositEUR received by SEPA is converted to USDC and credited to Exa.EURFee0.7%Speed1–2 business daysLimitsOnramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 0.7% · transfer
Access path
Via connected wallet
Availability
Bridge KYC, jurisdiction and SEPA availability apply.
Restrictions
Onramp fees are sponsored until the earlier of $3,000 cumulative onramp volume or 60 onramp transactions; current terms count onramp and offramp activity toward the shared eligibility counter. Onramp access does not guarantee outbound bank-payout access.
Local currency depositReceives funds through the listed bank or payment rail.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
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
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle4 routes
External crypto sends
1 route
Crypto sendsSends supported assets through the listed crypto transfer route.USDCOptimismFeeNot confirmedSpeedVaries by railLimitsShown in appAvailabilityConfirmed scopeDetails
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
Bank transfers & payouts
3 routes
USD ACH bank payoutThe 0.4% fee applies to every ACH offramp; sponsorship applies to qualifying onramps, not payouts.USDCUSDFee0.4%Speed1–3 business daysLimitsNo separate public payout amount limit is confirmed; onramp and offramp activity count toward the shared sponsorship eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 0.4% · every ACH offramp
Access path
Via connected wallet
Availability
Requires Exa and Bridge KYC, route approval and an eligible jurisdiction; onramp access does not guarantee offramp access.
Account setup
own name
Restrictions
The 0.4% fee applies to every ACH offramp; sponsorship applies to qualifying onramps, not payouts.
USD domestic wire payoutThe 1% fee applies to every domestic wire offramp; sponsorship applies to qualifying onramps, not payouts.USDCUSDFee1%Speed0–1 business daysLimitsNo separate public payout amount limit is confirmed; onramp and offramp activity count toward the shared sponsorship eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 1% · every domestic wire offramp
Access path
Via connected wallet
Availability
Requires Exa and Bridge KYC, route approval and an eligible jurisdiction; onramp access does not guarantee offramp access.
Account setup
own name
Restrictions
The 1% fee applies to every domestic wire offramp; sponsorship applies to qualifying onramps, not payouts.
EUR SEPA bank payoutThe 0.7% fee applies to every SEPA offramp; sponsorship applies to qualifying onramps, not payouts.USDCEURFee0.7%Speed1–2 business daysLimitsNo separate public payout amount limit is confirmed; onramp and offramp activity count toward the shared sponsorship eligibility counter.AvailabilityRegion-dependentDetails
Fee components
- 0.7% · every SEPA offramp
Access path
Via connected wallet
Availability
Requires Exa and Bridge KYC, route approval and an eligible jurisdiction; onramp access does not guarantee offramp access.
Account setup
own name
Restrictions
The 0.7% fee applies to every SEPA offramp; sponsorship applies to qualifying onramps, not payouts.
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
- 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 noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Exactly Protocol / Exa is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
- Explicit restrictions
- 16 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries listed as regional guidance47 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 EmiratesUnited StatesUruguayZambia
Explicit restriction list16 countries
BangladeshBelarusChinaCubaIndiaIranIraqIsraelNepalNorth KoreaRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productExactly Protocol / Exa
Provides the product and account experience. Named legal operators appear separately.
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 66
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
66/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift89
Everyday usability
Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.
Additional support83
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
32 sources31 officialChecked Aug 23, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Exa Card availability and usageOfficial source ↗Exa KYC requirementsOfficial source ↗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 ↗
09 · Card comparison
How Exa Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Exa Card
Supported assets can earn variable lending yield in Exactly Protocol.
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 1.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Non-custodial account
- Cashback
- 3%
- FX fee
- 0%–0.2%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC, USDT, EURC +3
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 3%–5%
- FX fee
- 1%
- Apps
- iOS, Android, Web app
- Stablecoin set
- soUSD, USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.