Exa App and Exa Blue Hold Separate Cards Until the Merge
Exa App has set out how its two products relate, and the answer decides where a deposit has to land. These are two accounts, not two views of one.
Exa App — the iOS and Android apps plus web.exactly.app — runs on Optimism, and only assets on Optimism count as collateral. Exa Blue, at base.exactly.app, is a separate account on Base with its own address and its own card. Exa plans to bring both into one app this year, in what it calls the Exa Merge.
Collateral is counted per chain, so a deposit builds capacity on one side only
Until the merge lands, the consequence sits on the funding side. A deposit to the Base address builds borrowing capacity behind the Exa Blue card and none behind the card in the Exa App, because collateral is counted per chain. Someone holding USDC on Base while using the app on Optimism sees a credit limit that ignores that balance, and closing the gap takes a bridge or a second account rather than a setting.
The addresses are the second place this bites. The two accounts have different addresses, so funds sent to the address copied from the wrong account arrive at an account that works perfectly well and is not the one behind the card being tapped. Nothing fails visibly; the balance is simply in the other place.
The per-chain split is what to plan around for now
Exa has not published how balances or credit limits will be combined when the merge happens, so the split is the current state rather than a temporary display quirk. For anyone choosing which side to fund, the question is which card is actually in the wallet app and in use, because that is the card the collateral has to sit behind.
Sources: Exa App on X.
