Exa Card
by Exa Labs SAS
The Exa Card is a non-custodial virtual Visa Signature card that lets users spend credit backed by their crypto assets. Built on the Exactly Protocol, it enables users to keep crypto earning yield while spending, with Pay Now (debit-like) and Installments (fixed-rate borrow against collateral) modes. Users deposit assets (ETH, OP, USDC, etc.) as collateral to borrow USDC for purchases. Issuance is limited to eligible countries/US states (see availability help); card can be used worldwide except sanctioned spend-blocked countries.
Unique Features
- Powered by Exactly Protocol for fixed-rate borrowing
- Two spending modes: Pay Now (Debit) or Installments (Credit)
- Passkey authentication (Biometric security)
- Visa Signature (virtual)
Pros
- Non-custodial (users retain control of funds)
- Earn yield on collateral while spending
- Fixed-rate installment options (Buy Now Pay Later on-chain)
- No credit check required
- Instant virtual card issuance
Cons
- No current cashback rewards
- Interest applies to installment purchases
- Liquidation risk if collateral value falls
- 1.5% FX on non-USD transactions
- ATM $1 + 0.65% ($250 cap, 4/day)
Integrations & Tech
Available In (47)
Not Available In (18)
Fee Structure
Detailed Fee Structure
1.5% FX on non-USD purchases (help fees + currency-conversion articles). Card Terms: foreign exchange fee up to 1.5% and cross-border fee up to 1.5%.
Up to $250 per withdrawal, max 4/day; some ATMs add their own fee
Detailed Limits
Credit limit determined by collateral value and health factor
Fee Details
Issuance free with Exa Wallet. Non-USD transactions: 1.5% FX (issuer help). Installment mode may include an origination fee in the loan interest. ATM: $1 + 0.65% per withdrawal, up to $250 per withdrawal, max 4/day. Some ATMs add their own fee.
Limits & Conditions
Credit limit is set by collateral value and health factor. ATM: up to $250 per withdrawal, max 4 withdrawals per day. Issuance is limited to the issuer eligible-country list (plus selected US states); not globally issuable. Nigeria requires conditional approval per help.
Crypto Capabilities
Security & Custody
Supported Assets
