GITBOOK-581: change request with no subject merged in GitBook

SUMMARY.md

@@ -17,6 +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)
 
 ## Guides
 

governance/exa-app/README.md

@@ -0,0 +1,2 @@
+# EXA APP
+

governance/exa-app/credit-and-debit-modes.md

@@ -0,0 +1,11 @@
+---
+icon: credit-card
+---
+
+# 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.
+
+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.
+
+In debit mode, you can use your card just like any other debit card. Payments are debited directly from your USDC balance.

governance/exa-app/the-exa-app-webauthn-owner-plugin.md

@@ -0,0 +1,37 @@
+---
+icon: robot
+---
+
+# The Exa App Webauthn Owner Plugin
+
+In collaboration with [Circle](https://www.circle.com/) and [Alchemy](https://www.alchemy.com/) and audited by [Quantstamp](https://quantstamp.com/), the Exactly Protocol team has developed the [Webauthn Owner Plugin](https://github.com/exactly/webauthn-owner-plugin) to integrate passkeys into the Exa App and create a seamless self-custodial experience for Exa App users.
+
+* [Exa App Webauthn Owner Plugin audit](https://certificate.quantstamp.com/full/exactly-web-authn-owner-plugin/195741fd-c62b-4a88-87b8-020dd454bd59/index.html)
+
+The plugin supports multiple verification methods, including:
+
+* ECDSA signature verification: This is the standard used by most externally owned accounts (EOA) on Ethereum.
+* ERC-1271 signature verification: This allows smart contracts to verify signatures, providing flexibility for different types of accounts.
+* WebAuthn and P256 passkey signature verification: Thanks to the RIP-7212 standard, P256 passkey signatures are now fast, secure, and cheaper to verify.
+
+Thanks to the recent Fjord network upgrade on Optimism, the RIP-7212 standard was introduced. This enables P256 signature verification to be 20 times cheaper than before, significantly reducing gas fees for passkey-based authentication. With RIP-7212, passkeys become not only more secure but also cost-effective for daily use in decentralized applications like the Exa App.
+
+The Webauthn Owner Plugin uses the RIP-7212 precompiled contract to verify P256 passkey signatures at a significantly reduced gas cost.
+
+This plugin also implements EIP-712, a standard for structured data signing in smart contracts, which makes transaction approval more user-friendly and secure. Together, these features ensure that users can interact with DeFi without needing to validate every single on-chain action manually—improving the overall user experience.
+
+### ERC-6900: Modular Accounts for a better Web3 experience
+
+The Webauthn Owner Plugin is built on the ERC-6900 standard, which introduces a modular approach to [smart contract accounts](https://www.alchemy.com/account-contracts). This standard allows for greater flexibility in handling authentication and account management. With ERC-6900, developers can create reusable plugins that integrate advanced features like passkey verification or multi-owner accounts.
+
+For users, this means a more adaptable wallet system where they can benefit from features traditionally associated with externally owned accounts (EOA) or smart contracts without needing to manage complex private keys. 
+
+This modular approach allows developers to implement account features, like biometric authentication or multi-owner access, without needing to manage or expose sensitive private keys, making DeFi more secure and user-friendly.
+
+### What does this mean for the Exa App users?
+
+The Exa App is designed to remove the complexities of DeFi and provide a smooth, user-friendly experience. Here’s how the app benefits users:
+
+* Self-custodial wallet: Users maintain full ownership of their funds at all times. There is no reliance on third parties, and the private key is never exposed, providing the highest level of security.
+* Simplicity: Instead of managing a 12-word recovery phrase, users can easily access their wallet through biometric authentication, removing the technical barriers typically associated with Web3.
+* Cost-effective transactions: With RIP-7212, P256 passkey signature verification is 20 times cheaper, significantly reducing gas fees for authentication on supported Layer 2 networks like Optimism.

governance/exa-app/the-exa-app.md

@@ -0,0 +1,24 @@
+---
+icon: mobile-button
+---
+
+# The Exa App
+
+<figure><img src="../../.gitbook/assets/TW - Header (6).png" alt=""><figcaption></figcaption></figure>
+
+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. \
+
+
+<figure><img src="../../.gitbook/assets/header X exa app.jpeg" alt=""><figcaption></figcaption></figure>
+
+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.
+
+\
+\

guides/features/rollover.md

@@ -4,14 +4,14 @@ The Rollover brings an enhanced level of flexibility and control to Exactly Prot
 
 {% embed url="https://youtu.be/knGj2uTOyos" %}
 
-## **What Exactly can users do using rollover?** <a href="#1504" id="1504"></a>
+## **What Exactly can users do using rollover?** <a href="#id-1504" id="id-1504"></a>
 
 * **Transition from uncertainty to certainty:** Users can convert any variable-rate loan into a fixed-rate loan with a specific maturity date.
 * **Embrace flexibility:** Users can convert any fixed-rate loan into a variable pool, transforming their position into a variable-rate loan.
 * **Opt for a Different Maturity Date:** Users can move any fixed-rate loan into another fixed-rate loan as long as the new fixed-rate pool has a different maturity date from the current one. \
-  _For instance, if you hold a fixed-rate loan maturing on July 05, 2023, you can refinance this loan by shifting your debt to another fixed-rate pool maturing on September 27, 2023._
+  &#xNAN;_&#x46;or instance, if you hold a fixed-rate loan maturing on July 05, 2023, you can refinance this loan by shifting your debt to another fixed-rate pool maturing on September 27, 2023._
 
-## Partial Loan Refinancing <a href="#1230" id="1230"></a>
+## Partial Loan Refinancing <a href="#id-1230" id="id-1230"></a>
 
 One point to be highlighted is that our users can also choose whether they want to refinance the total amount of their loan or just a portion of it.