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Exa Card lets U.S. users borrow against XRP to spend via a Visa virtual card without selling tokens.

Protocol Fundamentals
07 Sep 2026
Dailycoin
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Bullish
Exa Card lets U.S. users borrow against XRP to spend via a Visa virtual card without selling tokens.

The Exa Card, linked to Uphold and operating via the Exactly Protocol, allows eligible U.S. users to borrow against their XRP holdings and spend through a Visa virtual card without selling their tokens upfront. This crypto-backed lending mimics traditional securities-backed loans, offering credit lines without triggering taxable sales. However, users face risks such as forced liquidation if XRP's value drops sharply, which could lead to automatic sales and taxable events. The card has no annual fee or credit check, with flexible repayment options, but terms vary by state and involve smart contract risks.

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