Exactly Protocol Scales Onchain Credit to One Million Users by 2026
Exactly Protocol Scales Onchain Credit to One Million Users by 2026
💳 Million User Target
Exactly Protocol achieved major milestones in 2025, transforming from concept to live product processing millions in onchain credit card volume monthly.
Key 2025 Developments:
- February: Partnership with Uphold to integrate Exa Credit Card and Loans
- March: Launched Exa App for crypto-to-credit conversion
- July: Added Exa Loans and LiFi Swaps to DeFi section
- September: Deployed Exa Mini App on Base App during BaseCamp
- November: Launched KYC-enabled Exactly Protocol on Base for regulated fintech integrations
- November: First Exa Card purchase completed directly in Uphold App
The platform now processes a new Exa Card purchase every two minutes, with live statistics showing consistent growth.
2026 Goal: Scale to one million Exa users across multiple platforms including Exa App, Uphold App, Base App, and new partnerships.
The protocol creates a global, onchain fixed-rate credit market without traditional banking infrastructure, allowing users to maintain crypto holdings while accessing instant credit through their Visa Signature Credit Card.
Exa Labs Q2-26 Development Funding Proposal Now Open for Vote
**EXAIP-29 is now live for community voting** Exa Labs has submitted a proposal seeking funding to continue development work on the Exa App and support growth of the Exactly Protocol during Q2 2026. **Key details:** - Voting is currently open on [Snapshot](https://snapshot.box/#/s:gov.exa.eth/proposal/0x900acc1d237b981e34c3741830af9152b032dd921d1ed4b28577437a7376077e) - This follows the previous Q1-26 development plan (EXAIP-27) approved in December 2025 - The proposal outlines continued work on protocol development and ecosystem expansion Community members can review the full proposal details and cast their votes through the governance platform.
🏦 Fixed Rates Come to DeFi
**Exactly Protocol is pushing fixed-rate lending as the next evolution in DeFi.** While variable rates dominate DeFi today, adjusting based on utilization, fixed rates offer predictable returns locked upfront - particularly valuable for treasury management and institutional capital. The protocol enables users to: - Lend and borrow at both variable and fixed interest rates - Choose from multiple Fixed Rate Pools, each with specific maturity dates - Access rates determined by credit utilization in each pool Exactly operates as a decentralized, non-custodial protocol with autonomous interest rate markets. The platform is now available for integration, positioning fixed-rate lending as DeFi's "next frontier" after solving variable rates.
🗳️ Voting Open: Exactly Protocol Security Partnership Renewal
Exactly Protocol has opened voting on **EXAIP-28**, a proposal to renew its partnership with Hypernative Labs. The proposal seeks to extend the collaboration for: - Proactive security monitoring - Real-time threat detection This marks the second renewal of the partnership, following a similar proposal (EXAIP-23) in April 2025. [Vote on the proposal](https://snapshot.box/#/s:gov.exa.eth/proposal/0xafbc85774250966a60defb9ad79a296ca98a96e7b7f4da0399f75b99c5b3c428)
🗳️ EXAIP-27 Voting Open
**EXAIP-27** is now live for community voting on Snapshot. The proposal seeks funding for **Exa Labs** to continue development work through Q1 2026, focusing on: - Exa App development - Exactly Protocol growth initiatives This follows the previous EXAIP-22 proposal from March 2025 that funded development activities for the year. Voting is currently open on the governance platform. Community members can review the full proposal details and cast their votes. [Vote on EXAIP-27](https://snapshot.box/#/s:gov.exa.eth/proposal/0x383bb45b5705754f6265477fc09dbc478a43fa43ce9f4c183397d1c0179d8c23)