Ledger
Exa App
Exa AppExa App
VisaVirtual onlySince 2024Asks for a documentOperational
World's first on-chain credit card — collateralize crypto on Exactly Protocol (Optimism), spend in real world via Visa with up to 6 installments, gas absorbed by app.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 173 of the 174 priced cards cost more. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open exactly.appNot a paid link: we earn nothing either way.
Whether to take Exa App
In its favour
- Fully on-chain credit card on Optimism via Exactly Protocol
- Self-custodial — collateralize crypto, spend without selling
- Up to 6 installments without selling crypto
- App absorbs gas costs
Against it
- KYC required to comply with Visa regulations
- Standard FX fees apply on international transactions
- Optimism only — single-chain
- Requires understanding of DeFi collateralization
Also true, in its favour
- Available in 160+ countries
- No hidden fees
What Exa App costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| Total, per $100 spent | $0.00 |
Not published by the issuer: per payment, fixed, to spend outside the dollar, at a cash machine.
Read off exactly.app on July 21, 2026.
No hidden fees per official site. Standard Visa network and FX fees apply on international purchases. Gas costs absorbed by Exa App. KYC required at signup. Available in 160+ countries (US excluded). Supported collateral assets per official docs (docs.exact.ly): USDC, ETH, wstETH, WBTC, OP.
KYC: what Exa App asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Exa App publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in5USDC, ETH, WBTC, OP, wstETH
Chains1Optimism
Closed to residents of 2 countries, according to the issuer's own terms.
- United States
- Zimbabwe
The other flaws
- Not available in US
- USDT sent to the app is held as a separate asset, not usable as spending collateral (collateral assets are USDC, ETH, wstETH, WBTC, OP)
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off exactly.app on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Currency conversion · Cash machine charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open exactly.appNot a paid link: we earn nothing either way.
Alternatives to Exa App
Costs exactly the same.
Fuse CardFuse CardVisaVirtual onlyAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Fuse CardFuse CardVisaVirtual onlyAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
