Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs Decaf
Exa Card has the higher Overall Score by 3 points (67 vs 64). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Decaf Card comes out ahead for Cashback.
Latest check Oct 19, 202652 official sources reviewed
Exa Card
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.
- Exactly Protocol users linking eligible collateral to everyday Visa purchases.
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.
- The card is virtual-only and has no ongoing purchase cashback programme.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsExa CardOverall67Decaf CardOverall64
Exa CardOverall67Decaf CardOverall64Scores
- Overall Score
- Exa Card67Decaf Card64
- Cashback score
- Exa Card19Decaf Card29
- Travel score
- Exa Card62Decaf Card60
- Funds control score
- Exa Card88Decaf Card63
- Lowest fees score
- Exa Card68Decaf Card57
- Transfers score
- Exa Card97Decaf Card70
Costs
- Plan cost
- Exa Card$0Decaf Card$0
- FX fee
- Exa Card1.5%Decaf Card1–2%
- Top-up fee
- Exa Card1%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Exa CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Decaf Card0% Decaf markup
- Virtual card
- Exa CardFree with Exa WalletDecaf Card$5
- Physical card
- Exa CardNot availableDecaf Card$90 international / $10 US
Plans
- Available plans
- Exa CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Exa CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Exa CardVisaDecaf CardVisa
- Card formats
- Exa CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Exa CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appDecaf CardNot disclosed
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appDecaf CardNot disclosed
- ATM limit
- Exa Card$250/withdrawal; $1000/dayDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Exa CardOptimismDecaf CardSolana, Stellar
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHDecaf CardStablecoins: USDC
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Exa CardUSD, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Exa Card0%Decaf CardNot disclosed
- Max cashback
- Exa Card0%Decaf CardNot disclosed
- Reward currency
- Exa CardNo cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Exa CardUp to 0.99776% APYDecaf CardNot disclosed
- How it works
- Exa CardEarn on spending balance, Borrow against collateralDecaf CardOptional earn vault
- Separate deposit
- Exa CardNoDecaf CardYes
- Use balance for spending
- Exa CardYesDecaf CardNot disclosed
- Lock-up
- Exa CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Exa CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Exa CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Exa CardThird National Bank, Third NationalDecaf CardThird National, Inc.
- Card processing
- Exa CardExa Labs SASDecaf CardRain
- Deposits & withdrawals
- Exa CardBridge, MantecaDecaf CardMoneyGram
- Programme operator
- Exa CardExa Labs SASDecaf CardNot disclosed
Sources
- Official sources
- Exa Card31Decaf Card21
- Last reviewed
- Exa CardSep 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Exa or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Exa lists 1.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Exa does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Sending money to a bank
For bank payouts, Exa has reviewed routes in EUR, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Exa vs Decaf FAQ
Is Exa or Decaf better overall?
Exa Card has the higher Overall Score (67 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Exa or Decaf?
Exa Card has the lower published FX fee (1.5% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Exa or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Exa and Decaf differ on custody?
Exa Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Exa vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.