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Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Exa Visa Signature card design from the official Exa product page
Exactly Protocol / Exa

Exa Card

67Overall

Best fit

  • Choosing direct balance spending or fixed-rate USDC credit against collateral.
  • Moving between wallet funds and ACH, U.S. wire or SEPA bank transfers.

Before you choose

  • Pay Later creates debt against collateral; falling asset values can liquidate it.
  • Foreign purchases add 1.5% FX; bank payouts have separate route fees.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Exa Card: 67
Cashback score
MPChat Card: 18
Exa Card: 19
Travel score
MPChat Card: 72
Exa Card: 62
Funds control score
MPChat Card: 41
Exa Card: 88
Lowest fees score
MPChat Card: 60
Exa Card: 68
Transfers score
MPChat Card: 58
Exa Card: 97
02

Costs

Plan cost
MPChat Card: $0
Exa Card: $0
FX fee
MPChat Card: 0%
Exa Card: 1.5%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Exa Card: 1%
Card spending fee
MPChat Card: 0.8%
Exa Card: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Exa Card: $1 + 0.65%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Exa Card: Free with Exa Wallet
Physical card
MPChat Card: $100
Exa Card: Not available
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Exa Card: Not listed
Base cashback
MPChat Card: Not disclosed
Exa Card: 0%
Max cashback
MPChat Card: Not disclosed
Exa Card: 0%
Reward currency
MPChat Card: Not disclosed
Exa Card: Not disclosed
Cashback cap · entry plan
MPChat Card: Not disclosed
Exa Card: Not disclosed
04

Everyday use

Network
MPChat Card: Visa
Exa Card: Visa
Card formats
MPChat Card: Virtual, Physical
Exa Card: Virtual
ATM withdrawals
MPChat Card: Available
Exa Card: Available
Mobile wallets
MPChat Card: Google Pay
Exa Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Exa Card: iOS, Android, Web
Daily spending limit
MPChat Card: $250,000 / day
Exa Card: Dynamic / collateral-based; exact Exa App limit shown in app
Monthly spending limit
MPChat Card: $1,000,000 / month
Exa Card: Dynamic / collateral-based; exact Exa App limit shown in app
ATM limit
MPChat Card: $1,500 / day
Exa Card: $1,000 / 24 hours
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Exa Card: Optimism
Stablecoin deposits
MPChat Card: USDT
Exa Card: USDC
Other crypto deposits
MPChat Card: Not disclosed
Exa Card: ETH, OP, WBTC, wstETH
Fiat deposits
MPChat Card: Not disclosed
Exa Card: USD ACH deposit, USD wire deposit, EUR SEPA deposit +1
Crypto transfers
MPChat Card: External USDT withdrawal
Exa Card: Crypto sends
Internal transfers
MPChat Card: Not disclosed
Exa Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Exa Card: USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Payout currencies
MPChat Card: Not disclosed
Exa Card: USD, EUR
06

Earn

Advertised APY
MPChat Card: Not offered
Exa Card: Up to 0.99776% APY
How it works
MPChat Card: Not offered
Exa Card: Earn on spending balance, Borrow against collateral
Separate deposit
MPChat Card: Not offered
Exa Card: No
Use balance for spending
MPChat Card: Not offered
Exa Card: Yes
Lock-up
MPChat Card: Not offered
Exa Card: No
07

Trust & sources

Custody
MPChat Card: Custodial
Exa Card: Self-custody
Control until payment
MPChat Card: Provider controls funds
Exa Card: You keep control
Card issuer
MPChat Card: Not disclosed
Exa Card: Third National Bank, Third National
Card processing
MPChat Card: Not disclosed
Exa Card: Exa Labs SAS
Deposits & withdrawals
MPChat Card: Not disclosed
Exa Card: Bridge, Manteca
Programme operator
MPChat Card: Not disclosed
Exa Card: Exa Labs SAS
Official sources
MPChat Card: 30
Exa Card: 31
Last reviewed
MPChat Card: Nov 12, 2026
Exa Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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