Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs WhiteBIT Nova USD: overall score versus use-case fit
Exa Card has the higher Overall Score by 8 points (67 vs 59). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while WhiteBIT Nova USD comes out ahead for Cashback.
Information checked Oct 16, 202648 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. WhiteBIT Nova USD 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.
OverallExa67WhiteBIT Nova USD59Higher score
CashbackExa19WhiteBIT Nova USD25Higher score
TravelExa62WhiteBIT Nova USD36Higher score
Funds controlExa88WhiteBIT Nova USD49Higher score
Lowest feesExa68WhiteBIT Nova USD60Higher score
TransfersExa97WhiteBIT Nova USD86Higher 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 WhiteBIT Nova USD if cashback matters most
WhiteBIT Nova USD 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.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
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
- Exa67WhiteBIT Nova USD59
Exa Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Exa0% cashbackWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- ExaSelf-controlled walletWhiteBIT Nova USDCustodial balance
Exa Card uses a self-controlled wallet setup, while WhiteBIT Nova USD 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 PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Exa Card lists more stablecoins and ways to send money out (5 vs 4).
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.
67
- 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%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 crypto · 1 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 CardOverall67WhiteBIT Nova USDOverall59
Exa CardOverall67WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Exa Card67WhiteBIT Nova USD59
- Cashback score
- Exa Card19WhiteBIT Nova USD25
- Travel score
- Exa Card62WhiteBIT Nova USD36
- Funds control score
- Exa Card88WhiteBIT Nova USD49
- Lowest fees score
- Exa Card68WhiteBIT Nova USD60
- Transfers score
- Exa Card97WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Exa Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Exa Card1.5%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Exa Card1%WhiteBIT Nova USD0%
- Card spending fee
- Exa CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Exa Card$1 + 0.65%WhiteBIT Nova USDNot available
- Virtual card
- Exa CardFree with Exa WalletWhiteBIT Nova USD$0 issuance
- Physical card
- Exa CardNot availableWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Exa CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Exa CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Exa CardVisaWhiteBIT Nova USDVisa
- Card formats
- Exa CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Exa CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Exa CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Exa Card$250/withdrawal; $1000/dayWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Exa CardOptimismWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Exa CardUSD, EURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Exa Card0%WhiteBIT Nova USD0%
- Max cashback
- Exa Card0%WhiteBIT Nova USD10%
- Reward currency
- Exa CardNo cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYWhiteBIT Nova USDNot offered
- How it works
- Exa CardEarn on spending balance, Borrow against collateralWhiteBIT Nova USDNot offered
- Separate deposit
- Exa CardNoWhiteBIT Nova USDNot offered
- Use balance for spending
- Exa CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Exa CardNoWhiteBIT Nova USDNot offered
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Exa CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Exa CardExa Labs SASWhiteBIT Nova USDNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaWhiteBIT Nova USDNot disclosed
- Programme operator
- Exa CardExa Labs SASWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Exa Card31WhiteBIT Nova USD17
- Last reviewed
- Exa CardSep 6, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 67 versus 59 for WhiteBIT Nova USD. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD 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 WhiteBIT Nova USD 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 4). 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 WhiteBIT Nova USD reviews first.
Continue with
Exa Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Exa vs WhiteBIT Nova USD FAQ
Is Exa or WhiteBIT Nova USD better overall?
Exa Card has the higher Overall Score (67 vs 59). 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 WhiteBIT Nova USD?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 WhiteBIT Nova USD?
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 WhiteBIT Nova USD differ on custody?
Exa Card uses a self-controlled wallet setup, while WhiteBIT Nova USD 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 WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.