Is Exa Card (Exactly) Safe?
Exa Card (Exactly) scores 75/100 on our safety check. Each factor below links to its source.
Safety score
75/100
Good
Keep only what you plan to spend on the card. Stablecoins remove price risk while funds wait. Spreading funds across two providers limits the damage if one freezes.
Holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Exa Labs S.A.S. is the program manager and says it "does not issue or manage payment instruments"; its help center gives Rain's legal address as the card's billing address.). Source
You hold the keys until the moment you spend. Source
The issuer states that customer funds are held separately from company funds. Source
No proof of reserves is published. Source
2023-08-18: Exactly Protocol, which runs the card's credit and yield, was exploited through its DebtManager contract on Optimism. 117 accounts lost a combined $7,612,038 and the protocol was paused. Source
Some fees are only shown in the app. Source
Runs on Visa. Source
Read more
Exa Card (Exactly) fees, limits and cashback · Compare Exa Card (Exactly) costs · How the score works
Sources
- Exa Card (Exactly): fees · checked September 28, 2026
- Exa Card (Exactly): availability · checked September 28, 2026
- Exa Card (Exactly): cashback · checked September 28, 2026
- Exa Card (Exactly): safety · checked September 28, 2026