Exactly Visa Card
by Exactly
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Exactly's Exa card offers fixed-rate loans via DeFi smart contracts so you can spend without selling. Visa Signature perks such as lounge access appeal to frequent travelers, but the DeFi mechanics take some learning.
What we like
- +Fixed-rate loans against crypto collateral
- +Visa Signature perks, including airport lounges
- +Non-custodial smart contracts for all transactions
- +Collateral can earn yield while in use
- +Receive ACH, SEPA and wire transfers directly as crypto
Watch out for
- −Requires understanding of DeFi collateral
- −Interest rates move with protocol utilization
- −KYC required for the card
- −Newer protocol, operating only since 2022
- −Mainly available on Optimism
8.4/10
Editor score
Good
5.7/10
User rating
Based on 24 sources
Lv 3
KYC Level
ID verification
Global
Availability
8 countries excluded
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $5
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2%
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- Free
Limits
- Daily Spend
- $5,000
- Monthly Spend
- $20,000
- ATM Withdrawal
- $500
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.7/10
Sourced from
Exactly is recognized for a fully non-custodial setup on Optimism using account abstraction and biometric passkeys, which removes seed phrases. Users value the Pay Now and Installments options, which let them borrow at fixed rates while collateral keeps earning Exa Yield. The Uphold integration widens access, and Visa Signature benefits such as lounge access come with no monthly fee. Drawbacks are real. KYC failures hit users in African markets, especially Nigeria, funding is limited to Optimism and causes bridging friction, and 24 US states, including California and New York, are excluded. Privacy is a concern because the fiat gateway Manteca reportedly collects full transaction histories to profile users. A $7.3M exploit in August 2023 still weighs on its reputation, and support has no documented response times. Sentiment is thin but leans positive among successful users in places like Argentina.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Base
Frequently asked questions
Does the Exactly Visa Card require KYC?
Yes. Exactly asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Exactly Visa Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Exactly Visa Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Exactly Visa Card?
It is available in most countries, except Afghanistan, China, Cuba, Iran, North Korea, Russia, Syria, United States.
Which cryptocurrencies does the Exactly Visa Card support?
BTC, ETH, USDT, USDC, MATIC.
Last updated August 19, 2026, verified August 6, 2026.