Instant USDC Funding without selling your crypto.
The Exa App continues its mission to bridge DeFi and daily finance with USDC Funding. Built on the robust infrastructure of the Exactly Protocol, this feature allows you to unlock the value of your assets without selling them, giving you predictable and transparent access to liquidity.
Own your finances
Depositing assets like ETH, WBTC, USDC, OP, and wstETH into the Exa App allows you to use them as collateral to access USDC instantly.
You can secure funding for whatever you need—a new car, a down payment on a house, or any significant life expense—by using your crypto holdings as collateral. The value of your assets determines your borrowing power, so you no longer have to choose between holding for the future and spending for today.
Key advantages include:
- No credit scoring needed, no paperwork.
- Fixed interest rates
- Repayment in up to 8 installments
- Instant access
Getting Started
Navigate to the DeFi section from the main menu in your Exa App and select the USDC Funding option. Review and accept the terms and conditions that clarify that the Exactly Protocol powers this feature.
The interface will immediately display your available funding capacity.
Your available funding explained
This is not a traditional credit score. Instead, your available funding is a dynamic amount calculated based on your collateral, any outstanding loan balances, and recent credit card purchases linked to your Exa account. The more collateral you have and the lower your existing obligations, the more funding you can access.
Select your repayment schedule.
You are in complete control of your repayment terms. You can repay your balance in up to 8 fixed installments, with each payment due every 28 days. Whether you prefer to pay it all back in one go or spread it out over several months, the choice is yours. All payments are fixed and made in USDC.
Pick your first due date.
You can decide when you want to start your repayments to give you greater control over your cash flow. You can choose a first due date that aligns with your financial schedule. Please note that the maximum timeframe you can postpone your first payment is influenced by the total number of installments you have selected.
The future of finance is onchain
This new funding capability represents a significant step in making sophisticated DeFi tools accessible to everyone. What once required deep technical knowledge is now available through a simple, intuitive mobile app, empowering you to own your financial future truly.
Disclaimer: Exactly Protocol is a decentralized, open-source lending protocol on OP Mainnet. Through it, Exa App users can now access competitive rates determined by its open lending market. Exactly Protocol powers the USDC funding feature described. Exa App provides a simplified interface to access this protocol. All transactions are executed onchain.