TL;DR.Exa App is a Visa crypto debit card (Virtual, KYC: Light KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee not disclosed. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Exa App.
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.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +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
- +Available in 160+ countries
- +No hidden fees
Cons.
- −KYC required to comply with Visa regulations
- −Standard FX fees apply on international transactions
- −Optimism only — single-chain
- −Requires understanding of DeFi collateralization
- −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)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
$0.00
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.
COVERAGE
Where it works.
Supported coins
USDCETHWBTCOPwstETH
Chains
Optimism
Use cases
Online · IRL
Blocked countries
USZW
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES