How it works
Deposit ETH, WBTC, USDC, OP, or wstETH into your Exa App.
Use your assets as collateral to borrow USDC instantly.
Choose your repayment plan: up to 8 fixed installments every 28 days.
Getting started
Go to DeFi > USDC Funding in the main menu.
Accept the terms and conditions.
See your available funding based on your collateral and existing activity.
Select the amount, repayment schedule, and your first due date.
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.