🗳️ EXAIP-27 Voting Open

**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.

**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.

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)

**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](https://www.exactly.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](https://dune.com/exactly/exa-app-stats) 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.