Exa AI Agents

The financial layer for AI agents.

An agentic economy is growing at an incredible pace, and the financial layer remains unclear. Fixed-rate credit is a cornerstone of human finance; it will be the cornerstone of agentic finance as well.

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Where are we now

Your Exa account is already agent-ready.

Exa’s modular account infrastructure supports AI agents as account co-owners. This feature is intended for technical users and requires custom code integration. Agents can be configured to make purchases, issue loans, and handle repayments within programmable limits.

Multi-owner accounts

Enable passkey users and AI agents as co-owners through a modular plug-in architecture. Requires developer setup and infrastructure configuration.

Multi-owner accounts

Enable passkey users and AI agents as co-owners through a modular plug-in architecture. Requires developer setup and infrastructure configuration.

Card & loan delegation

Agents can authorize card payments and manage loans within user-defined rules. Integration requires code and proper permission management.

Card & loan delegation

Agents can authorize card payments and manage loans within user-defined rules. Integration requires code and proper permission management.

On-chain enforcement

Every action is written on-chain and governed by smart contracts. Users remain responsible for configuring safe spending limits and agent permissions.

On-chain enforcement

Every action is written on-chain and governed by smart contracts. Users remain responsible for configuring safe spending limits and agent permissions.

What we're building

From co-owner to full delegation.

Live

AI Agent as co-owner

The agent acts as a co-owner of the Exa account. Available for tech-savvy users today. The agent shares the same access level, which limits safety controls and requires manual configuration.

Live

AI Agent as co-owner

The agent acts as a co-owner of the Exa account. Available for tech-savvy users today. The agent shares the same access level, which limits safety controls and requires manual configuration.

Q2 2026

AI Assistant

An assistant that helps users optimize their finances and make the best decisions around repayment structure. The agent simulates alternatives and recommends the best option. With the user's signature, the transaction executes.

Q1 2027

Credit delegation to agents

A new plug-in for the modular account that allows users to set rules for agents and delegate credit to them. This improves safety, enhances UX for non-technical users, and unblocks the usage of credit for agents at scale.

Q1 2027

Credit delegation to agents

AI assistant

Simulate, decide, sign.

The AI Assistant handles the complexity of on-chain finance so you don't have to. It monitors your positions, simulates scenarios, and finds what you need — but nothing happens without your signature.

Transaction simulation

Runs every scenario before you commit. See projected outcomes, costs, and repayment structures — then sign only what you want.

Proactive position monitoring

Open positions watched continuously. Get alerts and recommended actions before problems arise — no manual check-ins needed.

Marketplace purchasing

Finds and buys products on your behalf — including from marketplaces like Amazon. You confirm once, it handles the rest. Coming in v2.

Credit-powered purchasing

Takes a loan in installments and pays directly via x402 — all in one flow. You sign once. When the AI Plug-in ships, no signature will be needed.

Architecture at a glance

One new plug-in slot. Same modular account.

The Smart Account is a modular container with plug-in slots. We're adding one new slot for AI agents.

Top Layer

Exa Backend — Fiat ramps, compliance, API, agent auth

Middle layer

Smart Account (ERC-6900)

WebAuthn

Passkey signing

Exa Plug-in

Auto signing

AI Plug-in

NEW

Foundation

Exactly Protocol — Fixed-rate credit engine

COMPONENT	TODAY	WITH AI AGENTS
Exa Backend	Fiat ramps, compliance, API layer	Extended API for agent auth + tx routing + AI assistant
Smart Account	Modular account with plug-in architecture	Same account — hosts the new AI Plug-in
WebAuthn	Passkey signing, no seed phrases	Unchanged
Exa Plug-in	Auto transaction signing, user-defined rules	Unchanged
AI Plug-in	—	NEWAgents transact within user rules, access credit via Exactly Protocol
Exactly Protocol	Fixed-rate lending, deposit for yield	Same credit engine — agents borrow against user collateral

COMPONENT	TODAY	WITH AI AGENTS
Exa Backend	Fiat ramps, compliance, API layer	Extended API for agent auth + tx routing + AI assistant
Smart Account	Modular account with plug-in architecture	Same account — hosts the new AI Plug-in
WebAuthn	Passkey signing, no seed phrases	Unchanged
Exa Plug-in	Auto transaction signing, user-defined rules	Unchanged
AI Plug-in	—	NEWAgents transact within user rules, access credit via Exactly Protocol
Exactly Protocol	Fixed-rate lending, deposit for yield	Same credit engine — agents borrow against user collateral

COMPONENT	TODAY	WITH AI AGENTS
Exa Backend	Fiat ramps, compliance, API layer	Extended API for agent auth + tx routing + AI assistant
Smart Account	Modular account with plug-in architecture	Same account — hosts the new AI Plug-in
WebAuthn	Passkey signing, no seed phrases	Unchanged
Exa Plug-in	Auto transaction signing, user-defined rules	Unchanged
AI Plug-in	—	NEWAgents transact within user rules, access credit via Exactly Protocol
Exactly Protocol	Fixed-rate lending, deposit for yield	Same credit engine — agents borrow against user collateral

The AI Plug-in

What it does. And what it doesn't

Will

Let agents transact on behalf of users

Access fixed-rate credit through Exactly Protocol

Spend within user-defined on-chain rules

Plug directly into the existing Smart Account — no new infrastructure

Won't

Give agents custody of funds

Bypass KYC or compliance requirements

Replace the Exa Card

Require users to understand any crypto mechanics

Trust model

The blockchain enforces. Not a backend.

This is what separates Exa from custodial agent wallets and off-chain payment networks. Rules are on-chain, immutable, and auditable. No backend override.

Users set rules

Spending limits, collateral types, borrowing caps, approved categories. All defined by the user, all enforced on-chain.

Agents operate within them

Transact, borrow, repay — but only inside those boundaries. The agent cannot exceed what you allow.

Blockchain enforces

Smart contracts make rules immutable and auditable. No backend can override them. Every action is verifiable.

exa-agents

Architecture

Your Acount (ERC-6900)

Always under your control, with passkey or EOA access.

Topology
Your Account
└─ You (Passkey / EOA)
└─ AI Agent (within allowances)
├─ repay()
├─ balance()
└─ card-auth()

Trust model

The blockchain enforces. Not a backend.

This is what separates Exa from custodial agent wallets and off-chain payment networks. Rules are on-chain, immutable, and auditable. No backend override.

Users set rules

Spending limits, collateral types, borrowing caps, approved categories. All defined by the user, all enforced on-chain.

Agents operate within them

Transact, borrow, repay — but only inside those boundaries. The agent cannot exceed what you allow.

Blockchain enforces

Smart contracts make rules immutable and auditable. No backend can override them. Every action is verifiable.

exa-agents

Architecture

Your Acount (ERC-6900)

Always under your control, with passkey or EOA access.

Topology
Your Account
└─ You (Passkey / EOA)
└─ AI Agent (within allowances)
├─ repay()
├─ balance()
└─ card-auth()

Trust model

The blockchain enforces. Not a backend.

This is what separates Exa from custodial agent wallets and off-chain payment networks. Rules are on-chain, immutable, and auditable. No backend override.

Users set rules

Spending limits, collateral types, borrowing caps, approved categories. All defined by the user, all enforced on-chain.

Agents operate within them

Transact, borrow, repay — but only inside those boundaries. The agent cannot exceed what you allow.

Blockchain enforces

Smart contracts make rules immutable and auditable. No backend can override them. Every action is verifiable.

exa-agents

Architecture

Your Acount (ERC-6900)

Always under your control, with passkey or EOA access.

Topology
Your Account
└─ You (Passkey / EOA)
└─ AI Agent (within allowances)
├─ repay()
├─ balance()
└─ card-auth()

Contact

Get early access

Describe your agent stack and deployment use case. We'll return setup instructions and early access.

Agent platforms that want a real financial account for agents.

DeFi protocols that explore autonomous liquidity flows with agents.

Enterprise teams that automate treasury operations on chain.

Terms & Conditions

Documentation

All borrowing and spending features are enabled by non-custodial smart contracts. Terms apply. Cards are issued by licensed third parties; Exa Labs does not issue or manage payment instruments. Yield is variable and not guaranteed. Subject to protocol conditions and smart contract interaction. Access may be restricted in certain jurisdictions.

Terms & Conditions

Documentation

Exa Card

Exa Loans

The Exactly Protocol

Agents

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