Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Solayer Pay: overall score versus use-case fit
Exa Card has the higher Overall Score by 11 points (66 vs 55). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback.
Information checked Aug 23, 202656 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallExa66Solayer Pay55Higher score
CashbackExa19Solayer Pay20Higher score
TravelExa61Solayer Pay53Higher score
Funds controlExa88Solayer Pay47Higher score
Lowest feesExa67Solayer Pay43Higher score
TransfersExa97Solayer Pay29Higher score
Choose Exa Card if travel and funds control matter most
Exa Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Solayer Pay Card if cashback matters most
Solayer Pay Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Exa66Solayer Pay55
Exa Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Exa Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Exa0% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- ExaSelf-controlled walletSolayer PayCustodial balance
Exa Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ExaVirtual · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutSolayer Pay1 stablecoin · Not modeled
Exa Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsExa CardOverall66Solayer Pay CardOverall55
Exa CardOverall66Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Exa Card66Solayer Pay Card55
- Cashback score
- Exa Card19Solayer Pay Card20
- Travel score
- Exa Card61Solayer Pay Card53
- Funds control score
- Exa Card88Solayer Pay Card47
- Lowest fees score
- Exa Card67Solayer Pay Card43
- Transfers score
- Exa Card97Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacySolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Exa Card$0Solayer Pay Card$20/year
- FX fee
- Exa Card1.5%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Exa Card1%Solayer Pay Card1%
- Card spending fee
- Exa CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Exa Card$1 + 0.65%Solayer Pay CardNot disclosed
- Virtual card
- Exa CardFree with Exa WalletSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Exa CardNot availableSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Exa CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Exa CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Exa CardVisaSolayer Pay CardVisa
- Card formats
- Exa CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appSolayer Pay CardShown in app
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appSolayer Pay CardShown in app
- ATM limit
- Exa Card$250/withdrawal; $1000/daySolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Exa CardOptimismSolayer Pay CardSolana
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositSolayer Pay CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutSolayer Pay CardNot disclosed
- Payout currencies
- Exa CardUSD, EURSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Exa Card0%Solayer Pay Card0%
- Max cashback
- Exa Card0%Solayer Pay CardNot disclosed
- Reward currency
- Exa CardNo cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralSolayer Pay CardEarn on spending balance
- Separate deposit
- Exa CardNoSolayer Pay CardNo
- Use balance for spending
- Exa CardYesSolayer Pay CardYes
- Lock-up
- Exa CardNoSolayer Pay CardNo
Trust & availability
7 fields- Custody
- Exa CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Exa CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalSolayer Pay CardThird National
- Card processing
- Exa CardExa Labs SASSolayer Pay CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaSolayer Pay CardNot disclosed
- Identity verification
- Exa CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Exa CardExa Labs SASSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Exa Card31Solayer Pay Card25
- Last reviewed
- Exa CardAug 23, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 55 for Solayer Pay Card. Exa Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Exa Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa Card lists more stablecoins and ways to send money out (5 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Exa Card and Solayer Pay Card reviews first.
Continue with
Exa Card
Continue with
Solayer Pay Card
05 · Common questions
Exa vs Solayer Pay FAQ
Is Exa or Solayer Pay better overall?
Exa Card has the higher Overall Score (66 vs 55). 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 Solayer Pay?
Exa Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Exa and Solayer Pay differ on custody?
Exa Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Exa vs Solayer Pay comparison?
The latest information check for these two cards was August 23, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.