The Promotion is open to all natural persons who, during the Promotion Period: (a) create a new account on the Exa App; (b) transfer funds from an account held in their own name at Offramp to their newly created Exa App account; and (c) complete the registration process described in Section 4 (each, an “Eligible User”).

Only Exa App accounts created on or after July 1, 2026 qualify. Accounts created before the Promotion Period, and accounts previously associated with the same person, device, or wallet, are excluded.

Exa reserves the right, at its sole discretion, to reject the participation of any applicant, including where the transfer, its origin, or the applicant’s identity cannot be verified to Exa’s satisfaction, without any obligation to state reasons.

To participate, applicants must submit: (a) proof of the transfer from their Offramp account to their Exa App account (the “Transfer Receipt”); and (b) their Exa App wallet address.

Submissions must be made through one of the following channels: (a) a public reply to the official Promotion post on X; (b) a direct message to Exa’s official X account; or (c) email to Exa’s official support address.

Registration is complete only once Exa confirms acceptance to the applicant through the same channel. Submission alone does not grant the benefit.

Qualifying transactions are purchases made by Eligible Users using the Pay Later feature of the Exa Card in 1 to 9 installments during the Promotion Period, after registration has been confirmed under Section 4 (“Eligible Transactions”).

Purchases made using the Pay Now feature are expressly excluded from this Promotion, regardless of amount or date.

Each Eligible Transaction will initially be processed under the standard interest rate applicable to Pay Later installment purchases. The interest charged will subsequently be reimbursed in accordance with Section 7 below.

The Promotion applies to a cumulative maximum of two thousand U.S. Dollar Coin (2,000 USDC) in Eligible Transactions per Eligible User during the Promotion Period (the “Cap”).

If an Eligible User’s cumulative Eligible Transactions exceed the Cap, only the portion up to and including 2,000 USDC will qualify for the interest reimbursement. The excess amount will bear interest at the standard applicable rate.

For the avoidance of doubt: if a single Eligible Transaction causes the cumulative total to exceed 2,000 USDC, the portion of that transaction up to the Cap will be eligible for reimbursement and only the excess will bear standard interest.

Interest accrued on Eligible Transactions (up to the Cap) will be reimbursed to the Eligible User during the first week of August 2026 (between August 1 and August 7, 2026).

The reimbursement will be credited as USDC directly to the Eligible User’s Exa App account. No cash, bank transfer, or alternative-asset equivalent will be offered.

The reimbursement amount will equal the total interest charged on Eligible Transactions up to the Cap during the Promotion Period.

If an Eligible Transaction is subsequently subject to a refund, reversal, chargeback, or cancellation—whether in whole or in part—the interest corresponding to the refunded or reversed portion will not be reimbursed.

Exa reserves the right to suspend, modify, or cancel this Promotion at any time, with prior notice to users through the Exa App or official communication channels.

Participation in this Promotion implies full acceptance of these Terms and Conditions.

Exa shall not be liable for technical failures, service interruptions, or force majeure events that may affect the normal operation of the Promotion, nor for the availability, operation, or any act or omission of Offramp or its operators.

The Promotion is non-transferable. Eligible Users may not assign or transfer their benefit to third parties.

In the event of fraud, abuse, or conduct that Exa reasonably deems inconsistent with the spirit of this Promotion—including transfers structured across multiple accounts or submissions of receipts not corresponding to the applicant’s own Offramp account—Exa reserves the right to disqualify the user and withhold or claw back any reimbursement.

Exa is not affiliated with, endorsed by, or acting on behalf of Offramp. All references to Offramp are for identification purposes only.