diff --git a/SUMMARY.md b/SUMMARY.md
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--- a/SUMMARY.md
+++ b/SUMMARY.md
@@ -17,10 +17,10 @@
* [📊 EXA Tokenomics](governance/exactly-token-exa/tokenomics.md)
* [⚪ EscrowedEXA (esEXA)](governance/exactly-token-exa/escrowedexa-esexa.md)
* [EXA Staking Program (stEXA)](governance/exactly-token-exa/exa-staking-program-stexa.md)
-* [EXA APP](governance/exa-app/README.md)
- * [The Exa App](governance/exa-app/the-exa-app.md)
- * [The Exa App Webauthn Owner Plugin](governance/exa-app/the-exa-app-webauthn-owner-plugin.md)
- * [Credit and debit modes](governance/exa-app/credit-and-debit-modes.md)
+* [EXA APP](governance/exa-app.md)
+* [The Exa App](governance/the-exa-app.md)
+* [The Exa App Webauthn Owner Plugin](governance/the-exa-app-webauthn-owner-plugin.md)
+* [Credit and Debit Modes](governance/credit-and-debit-modes.md)
## Guides
diff --git a/governance/exa-app/credit-and-debit-modes.md b/governance/credit-and-debit-modes.md
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icon: credit-card
---
-# Credit and debit modes
+# Credit and Debit Modes
-When you set the Exa Card to Credit mode, you can by now, pay later and hold your crypto. Your deposited assets act as collateral, and the app calculates a credit limit based on them. And then within the app, you can choose the number of installments for repayment, from one to six fixed-rate payments.
+When you set the Exa Card to Credit mode, you can buy now, pay later, and hold your crypto. Your deposited assets act as collateral, and the app calculates a credit limit based on them. Then, within the app, you can choose the number of installments for repayment, from one to six fixed-rate payments.
Each time you make a purchase, the Exa App takes a USDC loan through Exactly Protocol, which is then converted to USD for the seller. Repayments start up to four weeks later, with installments due every 28 days. On the Card screen, you'll see a payment calendar that tracks your repayments.
diff --git a/governance/exa-app/README.md b/governance/exa-app.md
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diff --git a/governance/exa-app/the-exa-app.md b/governance/exa-app/the-exa-app.md
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----
-icon: mobile-button
----
-
-# The Exa App
-
-
-
-At Exactly Protocol, our mission has always been clear: innovate and make DeFi more accessible to real-world users. With the success of our fixed-rate DeFi credit market, we set a new standard for stability and predictability in crypto lending and borrowing.\
-
-
-Now, we're advancing with the launch of the Exa App and its first product, the Exa Card, the first onchain credit and debit card. Available from day one in 180+ countries, it offers seamless global access without requiring a bank account or credit score. \
-
-
-
-
-To get started, simply download the Exa App and create an account with a streamlined onboarding experience.
-
-Exa App account creation is powered by passkeys, which replace traditional passwords and recovery phrases with a secure, biometric-based method, such as fingerprint or facial recognition. During setup, the app generates a passkey linked to your device, secured by your biometric data, which remains stored locally. This ensures both privacy and security at all times.
-
-The next step is to complete the KYC process, after which your Exa Card will be issued. This all-in-one card allows you to switch between debit and credit modes, adapting to your financial preferences.
-
-\
-\
diff --git a/governance/exa-app/the-exa-app-webauthn-owner-plugin.md b/governance/the-exa-app-webauthn-owner-plugin.md
similarity index 100%
rename from governance/exa-app/the-exa-app-webauthn-owner-plugin.md
rename to governance/the-exa-app-webauthn-owner-plugin.md
diff --git a/governance/the-exa-app.md b/governance/the-exa-app.md
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+---
+icon: mobile-button
+---
+
+# The Exa App
+
+ of the Exa App and its first product, the Exa Card, the first onchain credit and debit card. Available from day one in 180+ countries, it offers seamless global access without requiring a bank account or credit score. \
+
+
+
+
+To get started, simply download the Exa App and create an account with a streamlined onboarding experience.
+
+Exa App account creation is powered by passkeys, which replace traditional passwords and recovery phrases with a secure, biometric-based method, such as fingerprint or facial recognition. During setup, the app generates a passkey linked to your device, secured by your biometric data, which remains stored locally. This ensures both privacy and security at all times.
+
+The next step is to complete the KYC process, after which your Exa Card will be issued. This all-in-one card allows you to switch between debit and credit modes, adapting to your financial preferences.