The Exa App stands out by combining a self-custodial wallet, a Visa Signature credit card, and powerful DeFi features into a single application.
1. Yield on Deposits
As soon as you deposit assets like USDC, ETH, WBTC, wstETH, and OP, they start earning yield for you instantly, powered by the Exactly Protocol. You can easily track your earnings by checking the live APR for each asset in your "Portfolio" section.
2. The Exa Card Visa Signature
Once your Exa account is verified, you can activate the Exa Card right in the app for free. This isn't just any card—it's a Visa Signature credit card, your key to a world of exclusive premium benefits. Enjoy top-tier security, global acceptance at over 150 million merchants, and luxury perks designed for the modern traveler and investor.
3. Flexibility: Pay Mode
In the Pay Mode section, you can now choose how to pay:
Pay Now: If you choose Pay Now, the total amount is instantly debited from your USDC balance.
Installment Plans: Split any purchase into up to 9 fixed-rate installments powered by Exactly Protocol.
When splitting a payment, the Exa App borrows the amount needed from Exactly Protocol’s fixed-rate lending markets, converts it to USD, and sends it directly to the merchant. The interest rate is fixed and determined at the time of the transaction.
4. Instant Credit Access: USDC Funding
Instantly borrow USDC against your crypto collateral, powered by Exactly Protocol.
How it works:
Deposit ETH, WBTC, USDC, OP, or wstETH into your Exa App.
Use your assets as collateral to borrow USDC instantly.
Choose your repayment plan: up to 9 fixed installments every 28 days.
5. Availability
The Exa Card can be issued to residents from an extensive list of countries and states, expanding access to world-class financial services.
Your Exa Card works anywhere Visa is accepted, with over 150 million merchants in more than 150 countries.
6. Pax Assistance: 30 Days For Free
All Exa Card Visa Signature users enjoy a 30-day travel assistance benefit at no extra cost. Pax Assistance provides support for medical emergencies or unexpected travel issues.
How to Activate: 1. Go to the Benefits section in the Exa App Home screen. 2. Tap Pax Assistance and select Get Now. 3. Enter your trip dates (up to 30 days) and submit to receive your voucher via email.
Flexibility: The 30 days are annual and can be used for a single trip or spread across multiple trips.
Upgrades: You can extend your coverage or add family members at preferential rates here.
7. Visa Signature Benefits
Your Exa Card includes a wide range of premium perks at no extra cost:
Purchase Protection: Automatic protection against theft or accidental damage for 180 days on eligible items (up to USD 5,000 per event).
Car Rental Insurance: Coverage against damage or theft for rentals up to 31 days when paid in full with your Exa Card.
Visa Luxury Hotel Collection: Room upgrades, free breakfast, and late checkout at over 900 prestigious hotels.
Visa Digital Concierge: 24/7 personal assistance for travel and reservations at www.visadigitalconcierge.com.
Price & Warranty Protection: Reimbursed price differences (within 30 days) and doubled manufacturer warranties on eligible products.
For a full list of terms or to file a claim, please visit the official Visa Benefits Portal.