Exa App Card
Pay Visa merchants with crypto or borrow against your holdings for fixed-rate installments using Exa App Card.
Exa App Card: virtual crypto card fees and USDC on Optimism
What is Exa App Card?
Exa App Card is a virtual Visa crypto debit card with self-custody, Pay Now spending, USDC installments, Apple Pay and Google Pay, but no standard cashback.
Ready to try Exa App Card?
Open the official site and get started in a few clicks.
Exa App Card Overview
The Exa App Card is a virtual Visa Signature crypto card for holders who want to spend from their balance or borrow against crypto without selling it. You keep custody of your assets in a self custodial account. You need to complete KYC, but you do not need a traditional credit score or a local bank account.
Fund the app with supported crypto, such as USDC or ETH, and check the available networks before you transfer. Use Pay Now to pay from your balance, or choose installments to borrow USDC against your crypto at a rate fixed when you buy. You repay every 28 days. Check the installment count in the app before you spend. You can pay online or add the card to Apple Pay or Google Pay.
Exa publishes no issuance, monthly or annual fee. Non-USD purchases carry a 1.5% FX charge, and some terms mention an extra cross-border charge of up to 1.5%. Borrowing costs depend on market rates; Exa may include an origination fee in installment interest. There is no standard cashback program.
The main draw is keeping crypto deposited for variable yield while borrowing to cover purchases. Long-term holders may find that useful, though a fall in collateral value can lead to liquidation. For USD spending without borrowing, the lack of recurring card fees is appealing. Cashback seekers should look elsewhere. This is a virtual-only card, so check country eligibility in the app before you fund it.
Exa App Card Key features
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Virtual Visa Signature
You get a virtual Visa Signature card after identity checks and account funding, with no issuance fee. Exa charges no monthly or annual card fee.
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Self custodial wallet
You control your crypto in a smart wallet and use a device passkey for daily access. When you borrow against crypto, you commit that collateral until you repay.
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Pay Now mode
You can pay directly from your stored assets and choose which asset to spend first in the app. You stop earning yield on assets once you spend them.
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Fixed rate installments
You can borrow USDC against your crypto at a rate fixed at purchase time, with repayments every 28 days. Official docs list up to nine installments, but check the live app for your installment count and interest cost, which may include an origination fee.
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Variable deposit yield
You can earn variable yield through Exactly Protocol markets on supported deposits, including USDC and ETH. Check the current APR in the Portfolio screen before you deposit.
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No credit score
You do not need a traditional credit score or a local bank account, but you must complete identity checks. Your borrowing limit depends on collateral and protocol risk rules, and you risk liquidation if your collateral value falls.
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Mobile wallet payments
You can add the virtual card to Apple Wallet or Google Wallet for tap to pay, or use its details online at Visa merchants. Check current country eligibility before you apply; spending restrictions include sanctioned destinations.
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Sponsored network fees
Exa sponsors gas for many in-app actions, so you pay no network fee for those flows. This does not cover every blockchain transaction.
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In-app payment controls
You receive purchase alerts and can view your card details in the app. Set Pay Mode before a purchase, since your choice applies to later purchases until you change it.
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Non-USD purchase fees
You pay a 1.5% FX fee within the exchange rate on non-USD purchases. Some terms also list a possible cross-border charge of up to 1.5%, so check the terms for your country.
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No standard cashback
You earn no standard cashback on card purchases. Exa lists Visa Signature perks, including airport lounge access and car rental insurance, rather than a separate Exa rewards program.
Download Exa App Card App For Android And iOS
Download Exa App Card and start spending crypto from your phone — available on Android and iOS.
Exa App Card Fees
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Card fees Card issuance is free, with $0 annual and monthly fees.
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Sponsored gas User-paid gas is $0 on sponsored flows, according to the company and several reviews.
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FX fee Non-USD purchases have a 1.5 percent FX fee built into the exchange rate, and terms may allow an additional cross-border charge of up to 1.5 percent.
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Installment costs Loan interest is fixed at purchase time and market dependent, while an origination fee may apply and is included in installment interest.
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ATM withdrawals Where ATM withdrawals are available, Paymentscan lists a fee of $1 plus 0.65 percent.
Exa App Card Supported networks
Optimism
Base
How to use Exa App Card
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Create your account
Download the Exa App or open the web version at exactly.app, then create an account with a device passkey.
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Verify your identity
Open the Card flow and complete KYC when the app asks for it. Visa issuing rules require the identity check before card access.
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Fund your account
Send a supported token on a supported network, or use a fiat deposit account if the app offers one in your region. Wait until the funds appear in Portfolio and check the live balance and APR.
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Enable the virtual card
Open Card and request the virtual Visa card after funding the account. Add it to Apple Wallet or Google Wallet, or copy the card details for an online payment.
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Choose payment mode
Open Pay Mode and choose Pay Now or an installment count, then simulate the purchase if the app shows that option. Make your first payment after you confirm the selected mode.
Exa App Card Demo video
Exa App Card Screenshots
Exa App Card User Reviews
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get a rail 16-25 railcard it's worth it if you travel a lot on trains
View on X ↗ -
I get the 16-25 railcard n it cost me 70 pounds for 3 years and every time I go home it saves me 20 quid so I've had my money worth and more
View on X ↗ -
And get a rail card, I've saved the cost of the card in three train journeys. Now its just all savings
View on X ↗
Exa App Card Review
Pros
- You pay no issuance fee or annual fee for the virtual card.
- You keep custody of deposited crypto in a smart wallet you control.
- You can borrow USDC against your crypto to pay for purchases without selling it upfront.
- You lock in the interest rate at purchase time when you choose installments.
- You do not need a traditional credit score or a local bank account.
- You can add the virtual card to Apple Wallet or Google Wallet for tap to pay.
- You can earn variable yield on deposited crypto through Exactly Protocol.
Cons
- You earn no standard cashback on purchases.
- You pay 1.5% FX on non-USD purchases, with a possible extra cross-border charge of up to 1.5%.
- You cannot order a physical card.
- You must complete identity checks before you can use the card.
- You risk liquidation if your collateral loses value while you have a Pay Later loan.
- You pay interest on installments, and Exa may include an origination fee in that interest.
- The licensed issuer can freeze your card even though you control the wallet.
Our verdict
Exa App Card is worth carrying for long-term crypto holders who need Visa spending. It keeps custody with you, but collateral faces DeFi liquidation risk. There are $0 issuance, annual, and monthly fees, but non-USD purchases cost about 1.5% FX. Pay Later adds market-based interest, with estimates around 6% to 10% APR. It is poor for cashback seekers, and I would change my mind with lower spreads or reliable rewards.
Exa App funding
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Founded by Gabriel Gruber founded the company; he is an economist from the University of Buenos Aires and previously founded Properati.
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Seed - Aug 2021 Exactly raised about $3M in a seed round led by Kaszek, with 6th Man Ventures, NXTP, Newtopia, and angels including Marcos Galperin.
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Follow-on - Jan 2023 Exactly raised about $2M in a follow-on round with participation from Kain Warwick, Daedalus, Esteban Ordano, Bodhi, NXTP, and Kaszek; the lead investor was not published.
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Funding - Jul 27, 2026 Exa App Ltd raised $2.2M led by Kaszek, with Coinbase Ventures Base Ecosystem Fund, Ripio Ventures, Lucero Ventures, and angels.
Is Exa App Card safe & legit?
Exa App Card appears legitimate, built by Exa Labs/Exa App Ltd and led by founder Gabriel Gruber, with backers including Kaszek, Coinbase Ventures, Ripio Ventures, NXTP, and 6th Man Ventures; licensed partners issue the Visa card, though pages name Third National or Rain inconsistently. Your crypto stays in a self-custody smart wallet, but the issuer can freeze the card and Pay Later loans carry liquidation and smart-contract risk. Known red flags include unclear issuer details, limited consumer protection, and a 1.5% FX charge; no evidence of an outright scam is named in the supplied data.
X account intel @Exa_App
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Based in Argentina
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Joined X November 2023 2 years ago
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Username changes 1 rename last on Nov 28, 2023
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Security scan checked Oct 11, 2026
- Google Web Risk Not flagged
- MetaMask Not flagged
- Phantom Not flagged
- ScamSniffer Not flagged
- EtherAddressLookup Not flagged
- Keplr Wallet Not flagged
Domain www.exactly.app checked against Google's lists of unsafe sites and public crypto wallet blacklists.
Exa App Card Updates
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Exa today:
💳 15k cards issued
🏦 $14M in deposits
📈 $2M in monthly card purchases
📊 $2M in fixed-rate USDC loans
⚡ A card transaction every 2 min
All onchain. We’re just getting started.1 more in this thread
https://dune.com/exactly/exa-app-stats- 5 replies
- 3 reposts
- 27 likes
- 3.3K views
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Acciones tokenizadas
- 1 reposts
- 6 likes
- 753 views
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What's coming this month?
1. Tokenized stocks as collateral for the Exa Credit Card and fixed-rate loans.
2. Fixed-rate installment loans in wARS, backed by your digital assets: stocks, dollars, crypto, and more.- 2 replies
- 2 reposts
- 15 likes
- 4.3K views
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Ya compraron acciones tokenizadas?
- 1 replies
- 3 likes
- 506 views
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Tokenized stocks never sleep.
- 1 likes
- 579 views
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Tokenized stocks are here: just hit "Swap" and choose yours. https://web.exactly.app/swaps
- 5 likes
- 395 views
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Tokenized equity in your Exa Account
- 4 likes
- 774 views
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We are still looking for Human Intelligence 🧠
- 2 reposts
- 4 likes
- 706 views
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Regarding Optimism and Base:
1. Exa App (iOS, Android, https://web.exactly.app) runs on OP. Only OP assets count as collateral.
2. Exa Blue (https://base.exactly.app) is a separate Base account with its own address and card.
The Exa Merge will bring both into one app this year.- 2 replies
- 17 likes
- 3.5K views
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Stocks, onchain, in your Exa App!
Tokenized stocks are here: just hit "Swap" and choose yours. https://web.exactly.app/swaps
2 more in this thread
More information https://help.exactly.app/en/articles/17155255-tokenized-stocks-in-the-exa-appMore information
https://help.exactly.app/en/articles/17155255-tokenized-stocks-in-the-exa-app- 1 replies
- 13 likes
- 5K views
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@ExactlyProtocol is voting in its Gov subspace to list $wARS, a stablecoin pegged 1:1 to the Argentine peso, as a new lending market on Base that users can deposit and borrow but never post as collateral.
wARS is issued through a Ripio subsidiary. @RipioApp and the EXA Team propose it for @Exa_App's Argentina and Latam users: fixed-rate peso credit "otherwise scarce and expensive in the traditional system," letting them borrow pesos locally without touching crypto or USD holdings. wBRL and wMXN could follow.
Since wARS never backs debt, a peg deviation "cannot create bad debt through the collateral side of the protocol" - though Ripio controls minting, burning, and pausing, and attestations "mitigate but do not eliminate this."
@chainlink prices the market; @ABDKconsulting audited the non-collateral code, new to the protocol. One voter called it "Expansion outside of traditional assets."
11 wallets have cast 499,355 EXA so far: 100.0% For, clearing the 100,000 EXA quorum at 499.4%.
Voting closes September 25th at 6:13am UTC.
Proposal: https://snapshot.box/#/s:gov.exa.eth/proposal/0x5519bb31b6a51e51d7a163e6c3b75badbfa670ff16f8108a81b7337aa935faed
- 1 replies
- 4 reposts
- 8 likes
- 1.5K views
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Exa shipping season 🚚
1. Tokenized stocks in one click 💹1 more in this thread
2. Send digital assets to any network 🛜- 1 replies
- 3 likes
- 1.6K views
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🆕 Exa App: Tokenized stocks! With our new Swap, you can now bring @coinbase tokenized stocks over with one tap. Just click on "Swap" and choose your stock!
- 1 replies
- 4 reposts
- 14 likes
- 3.9K views
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🆕 Exa App: send digital assets to any network (EVM, Bitcoin, Solana, Tron, etc) and swap them on the way if you want. No extra apps to bridge and swap. Just use Exa, powered by @lifiprotocol. Tap "Send", choose "Digital Assets" and set it up your way!
- 1 replies
- 4 likes
- 2.4K views
Exa App Card Reviews & Comments
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