Uphold Launches XRP-Backed Visa Card Allowing Holders to Spend Without Selling

Financial platform Uphold will launch the Exa Visa card, an XRP-backed credit product that allows holders to obtain liquidity without liquidating their cryptocurrency. Introduced by Nancy Beaton, President of Uphold US, this solution uses the Exactly Protocol decentralized finance (DeFi) protocol to enable users in eligible states to borrow using XRP tokens as collateral.

Hold your XRP. Unlock your spending power

Uphold’s U.S. President Nancy Beaton breaks down how the Exa Credit Card, powered by @ExactlyProtocol, lets you put your $XRP up as collateral and choose a payment plan that works for you.

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Now available in… pic.twitter.com/P6ZDU105Xe

- Uphold (@UpholdInc) August 6, 2026

This launch represents an advancement for XRP’s real-world utility in daily commerce, allowing long-term investors to finance everyday expenses without losing exposure to market growth. However, as collateralized loans, XRP price volatility carries the risk of margin calls if the price drops sharply.

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