Exa Card

Exa Card is a Visa Signature credit card available through the Exa App. It lets cardholders pay in full with USDC or split purchases into up to nine fixed-rate installments backed by digital assets. Cards are issued by licensed third parties, while Exa Labs provides the borrowing and spending functions through non-custodial smart contracts.

Who is behind it

The product is operated by Exa Labs SAS and connects to Exactly Protocol. The company’s website identifies Exa Labs as the provider of the app, while the licensed third-party issuer handles the payment instrument. The wider Exactly ecosystem includes the EXA token and supports lending products alongside the card.

How the card works

Users access the card in the Exa App, add funds to the Exa Wallet, then pay in stores or online. Instant payment uses USDC. Installment payments turn a purchase into a fixed-rate loan backed by digital assets, with the example shown by Exa using six installments on a $449.99 purchase. Deposits can use Optimism, Ethereum, Base, Arbitrum, Polygon or BNB Smart Chain. Assets deposited through networks other than Optimism are bridged to Optimism for use as collateral or to earn yield.

The card is virtual and can be added to a mobile wallet for contactless payments wherever Visa is accepted. The app provides purchase notifications and a card-freeze control. Visa Signature benefits include airport lounge access, car rental insurance and restaurant discounts.

Fees and costs

Card issuance is free with an Exa Wallet. Transactions in currencies other than USD carry a 1.5% foreign exchange fee, included in the currency rate. ATM withdrawals cost $1 plus 0.65%, with withdrawals capped at $250 each and four withdrawals per day. An ATM may add its own fee. Installment borrowing may include a loan origination fee within the installment interest.

Availability and track record

Exa announced availability around the world on October 17, 2026, while its terms state that access can be restricted in certain jurisdictions. The service reported 15,000 cards issued, $14 million in deposits, $2 million in monthly card purchases and $2 million in fixed-rate USDC loans on October 8, 2026.

Risks and limitations

Payment access depends on a licensed issuer and the Exa program. Borrowing also depends on smart-contract conditions and collateral, so liquidation risk applies if collateral requirements are not met. Installments add interest and may include an origination fee. Cross-border spending costs more, while deposits from several networks are bridged to Optimism before use. The program’s terms also allow fees to change with notice, and access can be withdrawn in some jurisdictions.