Exa Card
No monthly or annual fee
Annual fee
No issuance fee
Issuance fee
KYC
KYC
Benefits
- Self-custody, with spending and borrowing handled through smart contracts.
- Pay Now will debit the balance directly, or pay in up to 9 installments (every 28 days)
- The installment interest rate is fixed at the time of purchase
- No card opening fee, monthly fee, annual fee
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- 1.5% foreign exchange fee for non-USD transactions (included in exchange rate)
- Borrowing may charge an origination fee (included in installment interest)
- There is a liquidation risk in borrowing with crypto assets as collateral
Fees & specifications
CashbackNot disclosed
Foreign exchange feesNon-USD 1.5%
Staking requirementsInstallment model uses deposited assets as collateral
Card formatVirtual card
Settlement assetsCryptoassets deposited in USDC and other
Sources & notes
Data credibility: high; verification date 2026-10-09.