The Exa Card credit card mode allows you to buy now, pay later, and hold your crypto, paying in up to six installments. The credit you have available to spend depends on the assets you’ve deposited in your wallet.

The debit card mode works like any other debit card, and the money you use to pay for the purchase comes directly from your balance. However, you can only use your USDC, and you will be limited by the loans you have in process.

You can switch between these two modes and configure the installments for the credit mode at any time inside the app. The mode you have selected will apply to your future purchases until you change the configuration.

If you want to pay in installments, you have to do so from inside the App, not from the POS at the store or e-commerce page.