Exa
DeFi credit + debit on Exactly protocol.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Exa’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | Buenos Aires, AR |
| Founded | 2023 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | DeFi protocol (Exactly); card via partners |
| Card | Visa · Virtual + physical |
| Yield | Onchain credit (Exactly) |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
Verified links: official site ↗
Common questions about Exa
What is Exa?
Exa is a self-custodial, on-chain-first neobank, headquartered in Buenos Aires, AR and founded in 2023. You hold the keys: Exa never takes custody of your funds. It is software rather than a licensed institution (DeFi protocol (Exactly); card via partners).
Does Exa have a card, and where can you use it?
It issues a Visa virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in all 7 world regions tracked here.
Does Exa require KYC?
Partly. You can use Exa itself without verifying your identity, but ordering its card requires KYC.
What does Exa cost?
From the verified fields: yield Onchain credit (Exactly). Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Exa before relying on them.
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
Exa appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Visa card (182) · Neobanks in Argentina (10)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.