Exa Card
Third National Bank · 47 countries (US, LATAM, APAC, Africa) · Personal & business
DeFi self-custodial Visa Signature card with fixed-rate crypto collateral installments
Is Exa Card worth it?
Exa Card by Exactly Protocol is a self-custodial Visa Signature credit card built on Optimism. Users can pay instantly from yield-bearing deposits or split purchases into up to 9 fixed-rate installments backed by crypto and tokenized collateral.
Pros
- Split purchases into 9 fixed-rate DeFi installments
- Earn protocol yield on unspent collateral
- Zero annual or issuance fees
Cons
- No permanent everyday cashback
- 1.5% non-USD FX fee
- Liquidation risk in credit mode
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0%
- FX fee
- 1.5%
- up to 1.5%
- ATM fee
- 0.7%
- $1 + 0.65%
- Max daily spend
- $10,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $1,000
- $1 + 0.65%
- KYC
- Full KYC
- Full KYC (ID + facial verification)
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- credit card · issued by Third National Bank
Supported crypto & networks
Where is Exa Card available?
Show all 23 supported countries
Availability lists change frequently. Confirm eligibility with Third National Bank before applying.
Exa Card — common questions
Is Exa Card available in United States?+
Exa Card is listed as available in 47 countries (US, LATAM, APAC, Africa). Our data currently shows it as available in United States. Always confirm eligibility with Third National Bank before applying.
What fees does Exa Card charge?+
Exa Card has no issuance fee, no annual fee, a 0% crypto top-up fee and a 1.5% FX fee. ATM withdrawals cost 0.7%. up to 1.5%
Does Exa Card support Apple Pay and Google Pay?+
Exa Card supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Exa Card self-custody?+
Yes. Exa Card is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does Exa Card cashback work?+
Exa Card offers No cashback. Rewards are paid in USDC. Staking requirement: Collateral deposited in Exactly Protocol earns variable supply APY. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.