Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Exa Card

VisaSelf-custodyKYC fullsecured credit

Exa is a self-custody app (passkey smart account on Optimism) with a free virtual Visa Signature card. You can pay now from your balance or pay later in installments borrowed against your deposits; there is no cashback and a 1.5% fee on non-USD purchases.

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42Card Score, #9 of 36
−$36You keep a year
C61Trust points of 100
79%Key fields with a source

Plans side by side

Standard
Price
Monthly priceFree10No recurring or signup fees per Paymentscan; issuer pages list noneNot confirmed by the issuer
Yearly priceFree10Not confirmed by the issuer
Virtual card feeFree10Free; card is created after KYC and a first depositNot confirmed by the issuer
Staking needed04Deposits are collateral for the credit mode, not a lock-up
Other requirementsCompleted KYC and a deposit4
Rewards
Cashback0%10,5No cashback offered; the site mentions variable Exa Yield on deposited assets, not guaranteed
PerksVisa Signature benefits (lounge access, travel assistance, car rental savings), Pay later in up to 9 installments, one every 28 days, at a fixed interest rate5,14Visa perks as advertised by Exa; terms of each benefit not checked
Fees
FX fee1.5%1,6,10Charged on every non-USD purchase and built into the exchange rate. Paymentscan measured about 1.5% (see tests). Terms also list a 1% cross-border fee and foreign transaction fees of up to 1.5%, so the all-in cost on foreign purchases may be higher
Top-up feeCrypto: none published. Bank deposits via Bridge: USD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7%, GBP 1.0%, MXN 1.0%2Exa covers Bridge fees up to $3,000 cumulative volume or 60 transactions (not US domestic wires)
ATM fee0.65%7
ATM fixed fee$17$1 per withdrawal; ATM operators may add their own fee
Limits
ATM limit a day4 withdrawals a day7Up to $250 per withdrawal, i.e. up to $1,000 a day

Real payments

FX markup paidPaymentscanAbout a 1.5% spread against the reference rate on a non-USD purchase10
Conversion spread paidCryptonoshi review, Jul-24, 2026Sell spread of about 0.5% when converting crypto at purchase, plus a 1% transaction fee in the reviewer's table, about 1.5% in total on USD purchases13

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

FX fee on foreign spend−$36
Net a year, Standard plan−$36

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator10 of 25

Terms name Third National as issuer under Visa licence, but no issuer licence or regulator is stated and Exa Labs (Uruguay) holds no licence of its own. The Nimbus/Rain issuer reported elsewhere is not confirmed by the issuer.6,3

Custody and fund protection16 of 20

Self-custody smart account secured by passkeys; terms say Exa has no access to the keys. Collateral can be liquidated in credit mode and smart contracts carry risk.9,14

Incidents in the last 24 months17 of 20

No incident, freeze or loss found.5

Track record and verified volume7 of 15

Live since Jul-2024 with about $24.1M of on-chain spend in total and roughly $1.7M a month, small compared with the leaders.10,13

Published fees and terms6 of 10

Detailed help centre, public audit list and fee articles, but the card pages leave out limits and the issuer name differs between sources.11,1,6

Support and user sentiment5 of 10

In-app chat and email; a review test found fast AI replies, human help missing at weekends, and the App Store shows only 4 ratings.13,12

Company

Legal entityExa Labs S.A.S. (Uruguay)9,5App terms name it as incorporated in Uruguay; site footer says Exa Labs SAS
HeadquartersUruguay9Inferred from the place of incorporation; no head-office address published
Websiteexactly.app5
X@Exa_App5

Issuer and licence

Card issuerThird National6Named in the card terms (fee data dated Jan-13, 2025). Third-party sources say Rain runs the programme (BIN 45,492,406); the issuer does not confirm this
Program managerExa Labs S.A.S.6,5Site says cards are issued by licensed third parties; Exa Labs does not issue payment instruments
NetworkVisa5,10
Card levelVisa Signature5,10

The card

Statuslive5,10
Launched2024-0710
Typesecured credit4,6Issuer calls it a credit card: deposits act as collateral; Pay now deducts from your assets, Installments borrows from Exactly Protocol. Cryptonoshi calls it prepaid
FormsVirtual10,13Virtual only; ATM cash is possible via the virtual card in a phone wallet with NFC
Custodyself-custody9,14Terms: Exa has no custody of or access to the wallet's private keys
How custody worksPasskey-secured smart account; deposits are placed in Exactly Protocol markets as collateral and can be liquidated if a loan becomes undercollateralised14,5,9
KYCfull14,5
KYC timeAbout 3 minutes5Issuer's own claim for the KYC process
Settles inUSD1
Card currenciesUSD1

Funding

Crypto acceptedUSDCETHwstETHWBTCOP14,10
ChainsOptimismEthereumBaseArbitrumPolygonBNB Chain15OP Mainnet is native, others are bridged; Paymentscan lists funding on Base and Optimism
Fiat top-upACHwireSEPAGBP bank transferMXN bank transferArgentina local transfer2,15Fiat arrives as USDC via Bridge (and Manteca in Argentina)
Deposit feesSee top-up fee2Manteca conversion cost is built into the displayed rate
Minimum depositEUR 1, GBP 2, MXN 50 per bank deposit (after fee)2Crypto minimum not published
Spends fromYour deposited balance (Pay now) or a loan against it (Installments)4

Payments

Apple Pay4
Google Pay4
Contactless4Via Apple Wallet or Google Wallet
Blocked merchantsCash-like transactions such as crypto, wire transfers and gambling may be restricted6

Where it works

RegionsLatin AmericaEurope (EEA)Asia-PacificAfrica14Issuer says available in over 160 countries; no region list published
Countries16014'Over 160 countries'
United States6,9Card terms require you to attest you are not a US citizen; app terms prohibit US Persons. Cryptonoshi says the card is available to US residents

Account

IBANVirtual accounts for USD (ACH/wire) and EUR (SEPA) via Bridge2
Local accountsUSD, EUR2
Crypto to bankUSD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7% offramp2
Crypto loansYes5,14Fixed-rate loans from Exactly Protocol against deposited assets; installments up to 9

Security

Two-factorPasskeys14
Biometrics14Passkey is unlocked by biometrics or device security
AuditsExactly protocol and Exa App contracts audited by ABDK, Chainsafe, Coinspect, Hashlock, OpenZeppelin, Sherlock and Quantstamp; Quantstamp audited the Exa App plugin in Jul-2024, Mar-2025 and Oct-202511

App

App Store rating512Only 4 ratings
App Store ratings412
App StoreOpen in App Store12
LanguagesEnglishPortugueseSpanish12
SupportIn-app chatEmail6,13Email exa.app@exact.ly per card terms

Reputation

Common complaintsNo cashback, No physical card, 10,000 USD weekly purchase limit unless documents are provided13,8
Common praiseSelf-custody with passkeys, Pay later in installments, Fast chat support replies13

Adoption

On-chain spend, all time$24,100,00010Paymentscan on-chain spend; the issuer's home page shows about $17.4M processed
On-chain spend, last month$1,714,00013Oct-2026 per review citing Paymentscan data

Referrals

User referralsExperimental referral programme exists13Review reports support described it; terms not checked

More details

Weekly purchase limit$10,000 a week for credit-card purchases; above that a source-of-funds check is required to raise it8
Pay later installmentsUp to 9 installments, each due every 28 days, at a fixed rate set at purchase; terms state 0% APR on purchases but interest may be introduced later14,6
Cross-border fee1% in the card terms, in addition to the 1.5% FX fee6
LiquidationDeposits are collateral for loans; the terms reserve a liquidation fee but state no amount6
Governing lawCard terms: Puerto Rico law with AAA arbitration in New York; app terms: Lithuanian law with ICC arbitration6,9

Quick answers

What does the Exa Card cost?

The Standard plan: Free a month, — for a physical card.

How much cashback does the Exa Card pay?

0% on the Standard plan, paid in a form not published.

What is the Exa Card FX fee?

1.5% on the Standard plan.

Is the Exa Card custodial?

Self-custody. Passkey-secured smart account; deposits are placed in Exactly Protocol markets as collateral and can be liquidated if a loan becomes undercollateralised

Is the Exa Card available in the US, the UK and the EEA?

US: no. UK: not stated. EEA: not stated.

How much do you keep with the Exa Card?

−$36 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Exa Card associated fees and costs, issuer, Nov-05, 2026
  2. Onramping and offramping fees and limits, issuer, Nov-05, 2026
  3. Where is the Exa Card issued?, issuer, Nov-05, 2026
  4. How does the Exa Card work?, issuer, Nov-05, 2026
  5. Exa App home, issuer, Nov-05, 2026
  6. Exa Card terms and conditions, issuer, Nov-05, 2026
  7. How to withdraw cash from an ATM with your Exa Card, issuer, Nov-05, 2026
  8. Exa Card purchase limits, issuer, Nov-05, 2026
  9. Exa App terms and conditions, issuer, Nov-05, 2026
  10. Exa on Paymentscan, paymentscan, Nov-05, 2026
  11. Exactly security audits, issuer, Nov-05, 2026
  12. Exa App on the App Store, app store, Nov-05, 2026
  13. Exa Card review, Last Updated Jul-24, 2026, review, Nov-05, 2026
  14. How the Exa App works, issuer, Nov-05, 2026
  15. How to add funds to your Exa App, issuer, Nov-05, 2026

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