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Exa Card

Updated: Jul 29, 2026

Exa Card is a Visa Signature virtual crypto card offered by Exa Labs SAS, combining a self-custodial wallet, direct spending and instalment payments secured by crypto assets in one product. Users can select Pay Now to pay directly from wallet assets or use a fixed-rate loan provided by Exactly Protocol to pay in instalments. The card supports online transactions and can be added to Apple Pay or Google Wallet for offline contactless payments.
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Confirmed unavailable on App Store
Card network
Visa
Product type
Crypto-collateral credit card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDC / BTC / ETH
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

Exa Card is operated by EXA LABS S.A.S., registered in Uruguay. Exactly Protocol provides an onchain credit market for collateralized loans and installment payments. User wallets are self-custodial. Current personal card terms list Third National as the card program issuer, and cards are issued on the Visa network. The help center also mentions Rain in billing address instructions, and some users are required to select Airwallex during Apple Pay card binding, indicating the card program involves multiple issuing and payment service partners.
Visit website Application page
Company / issuer
Exactly
Legal name
Exa Labs S.A.S.
Registered region
Uruguay (UY)
Headquarters
Montevideo, Uruguay
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After completing identity verification in the Exa App and depositing assets into a self-custody wallet, users can enable the Exa Card for free. Pay Now mode prioritizes deduction from the USDC balance, and when the balance is insufficient, supported assets such as ETH or WBTC can be used according to user settings; the installment mode uses wallet assets as collateral, borrows USDC from Exactly Protocol's fixed-rate market, converts it to USD, and pays merchants. Users can choose the payment method and installment period before purchase. The official website currently shows up to nine installments, with the actual interest rate displayed before transaction confirmation. The card settles in USD, does not offer a physical card, and can be used with Visa online merchants or for contactless payments via mobile wallets. Regular spending limits are related to wallet balance, collateral asset types, and risk coefficients; the basic credit card spending rules additionally set a weekly verification threshold of $10,000.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Exa virtual card
Card formVirtual card
Fees
Monthly fee
Free
No monthly or annual cardholder fee
Card issuance fee
Free
Free instant activation
ATM fee—
Foreign exchange fee
1.5%
Up to 1.5 for non-USD transactions; cross-border charges apply separately
Top-up fee
1%
Fee applies to bank deposits exceeding the sponsored allowance
Failed transaction fee
Free
No current fee for returned payments
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus
10 USDC
Complete verification and spend 100 USDC
Referral bonus
10 USDC
Issued after the invited user spends 100 USDC
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

75
BahamasBSBrazilBRIowaConnecticutJapanJPFloridaMinnesotaCosta RicaCRMississippiMexicoMXPennsylvaniaKenyaKEHong KongHKParaguayPYVirginiaSouth AfricaZANigeriaNGGuatemalaGTSouth CarolinaIllinoisGrenadaGDNorth CarolinaIndianaDominican RepublicDOGhanaGHGuyanaGYAlaskaBoliviaBOTennesseeUtahColoradoMichiganBelizeBZNebraskaCayman IslandsKYMalaysiaMYNew JerseyHondurasHNTurks & Caicos IslandsTCMissouriPhilippinesPHArkansasArgentinaARUgandaUGAlabamaNew HampshireKentuckyCaliforniaTexasPeruPEMassachusettsEcuadorECSurinameSRPakistanPKZambiaZMKansasCôte d’IvoireCIAntigua & BarbudaAGAustraliaAUHawaiiOklahomaBarbadosBBMoroccoMAEl SalvadorSVWyomingUnited Arab EmiratesAEColombiaCONew YorkMaineNew ZealandNZSingaporeSGPanamaPAUruguayUYSenegalSNWest Virginia
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

29
BulgariaBGIndiaINSyriaSYChinaCNLebanonLBNicaraguaNIBelarusBYUkraineUAVietnamVNSomaliaSOIsraelILEthiopiaETAfghanistanAFCentral African RepublicCFNepalNPNorth KoreaKPSudanSDRussiaRUIranIRBangladeshBDIraqIQLibyaLYCubaCUMaliMLCroatiaHRZimbabweZWVenezuelaVEYemenYESouth SudanSS
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：居民不可申请；由其他合资格地区发行的卡片可在接受 Visa 的商户使用，但不支持微信支付或支付宝绑卡消费。

2、香港：居民可以申请并正常使用，完成完整 KYC 后可在线上商户消费，也可绑定 Apple Pay 或 Google Wallet。

3、澳门：居民不可按当前地区名单申请；已由合资格地区发行的卡片可在接受 Visa 的线上或非接触商户使用。

4、台湾：居民不可按当前地区名单申请；已持卡用户可在 Visa 受理商户使用，手机钱包功能受设备地区设置限制。

Updated: Jul 29, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / Driver's license / Government-issued ID

Review time / regional limits

Real-time automated verification usually takes a few minutes; if manual review is triggered, it takes 1-3 business days.

KYC provider

Persona

Updated

Jul 29, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview10 scenarios
Supported8
Not supported2
UpdatedJul 29, 2026

Wallet payments

Apple Pay

Supported

Jul 29, 2026

Cash services

ATM withdrawal

Not supported

Jul 29, 2026

AI tools

ChatGPT

Supported

Jul 29, 2026

AI tools

Claude

Supported

Jul 29, 2026

Wallet payments

Google Pay

Supported

Jul 29, 2026

AI tools

Midjourney

Supported

Jul 29, 2026

In-person payments

Offline POS

Supported

Jul 29, 2026

Online shopping

Online shopping

Supported

Jul 29, 2026

Wallet payments

PayPal

Not supported

Jul 29, 2026

Subscriptions

Subscription payment

Supported

Jul 29, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Paulina from cryptonoshi.comtrustpilot★ 3 / 5

It's not the cheapest fee structure

It's not the cheapest fee structure, but not the highest either. Not so great if you'll mostly spend in non-USD currency. The Good: - Self-custodial card, you own your funds - Can be used as on-chain credit card, spend now and pay back later in fixed rate installments - Visa Signature benefits, like price match, extended warranty on tech, etc - USD Virtual account in your name, nice one - Apple Pay Enabled (but need to call them to do 2FA) The Bad: - Supports only Optimism Chain right now - 10k weekly spend limit (have to ask to get more) - 1.5% fx fee is high, some cards offer 0% fx. - 1% transaction fee, plus another 0.5% for spread of you spend non-stables - No physical card - No cashback or any other rewards - No referral program - Human support not available on weekends Overall an average card, not my favorite.
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J Noelgoogle_play★ 5 / 5

Exa App Google Play review - 5 star

excellent!
View original
Rupantor Talukdergoogle_play★ 5 / 5

Exa App Google Play review - 5 star

​"Exa is truly bringing a financial revolution for users in Bangladesh! The app is incredibly sleek, and the card works seamlessly for all my global needs. It’s the perfect bridge for digital finance. Highly impressed with the smooth interface and reliability!"
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Peculiar Anthonygoogle_play★ 1 / 5

Exa App Google Play review - 1 star

am from Nigeria I can't do it cause is not bringing up where to choose document to verify kyc that's too bad
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Mokarom Hosengoogle_play★ 5 / 5

Exa App Google Play review - 5 star

First review of the app...
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Rubel Islamgoogle_play★ 5 / 5

Exa App Google Play review - 5 star

good
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Saiem FFgoogle_play★ 1 / 5

Exa App Google Play review - 1 star

bad kyc system
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SAJJAD HOSSENgoogle_play★ 5 / 5

Exa App Google Play review - 5 star

Nice
View original
Omar7 Fahad12google_play★ 1 / 5

Exa App Google Play review - 1 star

Exa scam with me. i withdrawal my deposited balance, but not receive in my wallet🤬🤬🤬🤬🤬🤬🤬🤬 Scammer.
View original
Emmanuel Fontangoogle_play★ 2 / 5

Exa App Google Play review - 2 star

Works really good, but the networks are limited to Optimism (not available in the most important exchanges). I can't fund my card because I have no cryptos in any exchange supporting optimism...
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Risk factors

Updated: Jul 13, 2026

No risk factors are available