Exa Card Review 2026
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Last updated: by the
Exa Card by Exactly Protocol delivers the world's first true onchain credit and debit hybrid card available in 180+ countries. Configure your Visa Signature card as debit for direct spending or credit for fixed-rate loans with 6-month installments—all while earning variable yield on your USDC, ETH, wstETH, WBTC, or OP deposits. With passwordless biometric authentication, complete self-custody on Optimism, and seamless Apple/Google Pay integration, Exa transforms your crypto into flexible spending power without sacrificing security or control.
This is a Visa crypto card. It uses a self-custody model.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Standard Visa FX rates |
| ATM Limit | Available with physical card |
| Spending Limit | Based on collateral (configurable as credit or debit) |
The Exa Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Exa Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
It is a solid option for anyone looking to bridge their crypto holdings with day-to-day payments at millions of merchants worldwide.
The card is currently available in 180+ countries globally — ideal for residents and frequent travellers in those areas.
Compare the Exa Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Exa Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Exa website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Exa processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDC ETH wstETH WBTC OP on Optimism via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Exa Card is available immediately in the Exa app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Worldwide
The Exa Card is available to users in the majority of countries worldwide. Minor exceptions may apply due to local financial regulations. Always confirm current availability on the Exa website before applying.
Available in major markets including:
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