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The World's First Instant Crypto Overdrafts

Instant Crypto Overdrafts

Don’t sell your crypto. Don’t lose the upside potential.
Get an Instant Crypto Overdraft from Nexo

Nexo Demo

Instant Funding
Simple Process

Guaranteed Approval
No Credit Checks

Keep All Crypto Profits
100% Risk-Free

No Hidden Fees
Flexible Repayment


About Us

Audited by:
$120 million Loans Granted
$155 million Cash Collected
Since inception
Loans Granted
Cash Collected
EU Banking Supervision

Credissimo adheres to the highest regulatory requirements and is strictly
by multiple European Banking and Financial Services Regulators

Credissimo is a leading European FinTech
Group founded in 2007

  • Credissimo utilizes innovative proprietary technology to provide:

    Instant Online Consumer Loans

    E-commerce Financing

    Bill Payment Services

  • Credissimo is a market leader in the Online Consumer Lending segment in several European countries
  • Our competitive advantage is encoded in our business know-how that we have developed in more than 10 years of experience - efficient business model, cutting-edge technology solutions and visionary management are the key drivers of our longstanding success
Net Income Margin
Loan Applications
Loans Granted in 2017
Returning Customers
Credit Rating Upgrade
(Stable Perspective)

10 Years of FinTech Success

Our Mission

Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives. We would like to contribute by providing

The World's First Instant Crypto Overdrafts

Nexo - enjoy your crypto wealth today without selling your crypto assets!

Our Vision

In its historical development, Credissimo
has been identifying and successfully solving inefficiencies on lending markets by creating innovative and convenient financing solutions.

By applying blockchain technology, Nexo is Credissimo's answer to solving the lack of financing for the new digital economy.

Powered by 10 years of Credissimo's expertise, Nexo is offering the world's first instant crypto overdrafts.

Unlocking the value of
your digital assets

Quick and convenient
access to financing

Retain asset
upside potential

Based on secure
blockchain technology

Problem & Solution

Repo for Digital Assets

The size of the Repo market for non-digital assets is EUR 5.6+ trillion, Nexo is bringing the Repo agreements to the new digital economy

Market & Clients

By Year 2025
  • Total Digital Assets Market

    The total market of digital assets is expected to reach over $5 trillion by 2025 as a consequence of the blockchain technology adoption across various industries
  • Tokenized Assets

    It is expected that hard assets such as Real estate and Commodities, as well as all types of Securities and Virtual Assets will continue to get tokenized and become easily tradable for a fraction of the current costs. Assets that are currently being tokenized in 2017-2018 include:
    • Securities (ETFs, Equities, Bonds, REITs)
    • Commodities (Gold, Oil)
    • Real Estate
    • Gaming and Virtual Reality Assets
    • Loyalty Reward Points
  • Cryptocurrencies

    Currently hold the biggest share of all digital assets available today. They are expected to continue their growth and reach over $1 trillion by 2025


Credit Card

Flexible Overdraft

Your Overdraft limit is based on the market value of the crypto assets in your Overdraft Wallet. Additional credit is automatically and instantly available on the card upon appreciation of your crypto's value

Nexo Credit Card
  • Features

    • Free Credit Card with
      Flexible Overdraft Limit
    • Multiple Repayment Options
    • Additional Virtual Credit Card
    • Payments in Local Currencies
    • No Monthly/Annual Fees
    • No Hidden Fees
  • Secured by Digital Assets

    • Cryptocurrencies
    • Nexo Tokens
    • Tokenized Assets
    • Utility Tokens
    • VR/Gaming Tokens
  • Security

    • State-of-Art Technology
    • Card and Wallet Encryption
    • 24/7 Fraud Monitoring
    • 24/7 Live Assistance
  • Technology

    • Mobile Wallet App
    • Send/Receive Money Worldwide
    • Spending Analytics
    • Budgeting Tools
    • Enable/Disable Card Remotely
  • Infrastructure

    • Visa
    • MasterCard
    • Apple Pay
    • Android Pay
    • Samsung Pay
    • Alipay
Flexible Repayment

Fiat Repayment

Clients can repay their overdrafts using
fiat currencies: USD, EUR and JPY

Repayment in NEXO Tokens

Overdraft repayments using NEXO Tokens will receive a discount on the interest

Flexible Repayment

Crypto Sale

Should the client consider that his cryptoasset has met his price target, he can place an order with the Nexo Oracle to sell fraction of the cryptoassets stored in his wallet to repay his outstanding balance in part or completely

No Minimum Monthly Payment

No minimum overdraft repayment is required if the outstanding overdraft balance is within the available overdraft limit


Nexo Crypto Overdraft
Sell Asset & Buy Back Later
Margin Lending / Futures Contract
Depending on Asset
Very High

Nexo Oracle

Drawing from 10 years of expertise and innovations developed within Credissimo, the Nexo Oracle is an automated independent system that maintains Nexo's key operating functions.

Overdraft Contracts

  • The Client transfers crypto assets to his Overdraft Wallet according to the Contract, which has pre-written logic based on computer code

  • Overdraft Contracts are stored and replicated on the Blockchain, which makes them immutable and verifiable

  • The Client's crypto assets are securely stored and can be unlocked by Nexo only if the Client fails to repay the Overdraft
  • The Nexo Oracle operates autonomously and constantly checks various data points

  • The predefined conditions written on the Overdraft Contract are constantly evaluated by the Nexo Oracle through external data sources

  • The value of the Client's crypto assets is determined in real-time on multiple exchanges in order to minimize risks for both parties
  • Once any of the code-prewritten conditions of the Overdraft Contract are satisfied, the code triggers an automated action

  • Upon appreciation of the value of the Client's crypto assets and after each Overdraft repayment, the Nexo Oracle self-executes and the Overdraft limits are automatically increased


Michael Arrington

Founder of TechCrunch/Arrington XRP Capital

Michael is the Founder of TechCrunch and has been consistently named one of the most powerful people on the Internet by Wired, Forbes and Time Magazine. He is currently running Arrington XRP Capital - the first digital asset management hedge fund, denominated in a cryptocurrency. Under Michael’s guidance, the fund has been heavily focused on blockchain technology and disruptive startups.

Trevor Koverko

Founder of Polymath

Trevor is the Founder and CEO of Polymath, a platform that enables the creation, issuance and trading of financial instruments on the blockchain. He is working on bringing the multi-trillion dollar securities market to the blockchain, as well as the successful launch of compliant securities tokens for several prominent companies by providing the technological underpinning.

Ugo Bechis

Leading Payments & Cards Expert

Ugo is a leading e-payments and SEPA expert who has helped shape the regulatory framework of the banking and finance industries of the European Union. His prolific knowledge of the banking sector has been solidified at European multinational banks in areas such as M&A, Asset Management, Payment Processing, Card Issuance Schemes and Corporate Governance.


Kosta Kantchev

Managing Partner

Kosta is a Co-Founder of Credissimo and the visionary directly responsible for the 10-year-old success story of the whole European FinTech Group. An early adopter of bitcoin, he quickly realized the potential of blockchain technology, prompting him to develop at Credissimo one of the first systems to allow loan repayments in cryptocurrencies worldwide.

Georgi Shulev

Managing Partner

Georgi comes from a background in banking, having gained substantial experience in fields like M&A and Financial Analysis at institutions such as Unicredit Bank Austria, Lehman Brothers, and the European Investment Bank. Overseeing the business development and international expansion of Credissimo has further solidified his FinTech expertise.

Antoni Trenchev

Managing Partner

Antoni has been a crypto-enthusiast since 2011. As a Member of Parliament and a firm believer in a decentralized approach, he ferociously advocated and passed legislation for blockchain solutions on a variety of e-government services, most notably e-voting. He has been involved in the development of e-commerce platforms and has been Chief Innovations Officer at Credissimo.

Vasil Petrov


Vasil is an early blockchain technology adopter and self-starter. He has over 16 years of experience in system administration, back-end development and architecture of high-load and full-cycle projects. His achievements thus far have culminated in co-founding and being the CTO of a US multichannel video & internet service provider and distributor of interactive services for more than 150 000 customers.

Kalin Metodiev

Corporate Finance

Kalin is an investment banker with 20+ years of experience in corporate finance, securities issuance, M&A, private equity and executive management for leading financial institutions in the USA and Europe. His professional focus has always been directed towards company growth and investor wealth maximization. Kalin's extensive track record spans over a wide range of transactions exceeding $1 bln.

Kamen Trendafilov

Finance Director

Kamen has a vast and diverse background in the financial sector gained throughout his extensive experience working for Ernst&Young, KPMG, and PricewaterhouseCoopers. As a Finance Director of Credissimo, his knowledge and expertise have helped the company become a leading European FinTech Group.

Bilyana Christova


Bilyana has been a digital marketing manager in the financial and tech industries for over a decade, and has been the Chief Marketing Officer at Credissimo. She has a penchant for the development of digital strategies, marketing management and results-driven marketing. Bilyana has numerous awards, including one for exceptional development of brand strategies and digital marketing campaigns.

Plamen Todorov

Blockchain Developer

Plamen is an exceptionally talented software architect with more than 15 years of experience building software solutions from scratch. He has hands-on approach in development of complex platforms and cloud-based solutions. Plamen has shifted his attention to blockchain technology in early 2012.

Teodora Atanasova

Business Development

Teodora is a blockchain advocate with extensive experience in both the legal and the investor side of the crypto-world. Involved in FinTech straight out of university, she has been a driving force in the Business Development of Credissimo, a company that serviced over 1 million customers throughout Europe and issued loans for over $120 million.

Joro Yordanov

Product Designer

Joro is a graduated system programmer and an interactive designer for more than 12 years, solving diverse design problems and releasing fully-functional web products. His work has resulted in award-winning campaigns for brands such as Samsung, Heineken and Telenor Group. Joro shares his knowledge and expertise at Technological School Electronic Systems.

Boris Delev

Technical Lead

Boris has successfully recognized technological potential before it has become mainstream. He has impressive technical skills that align with his quest for precision. He has more than 15 years of experience with various technological solutions, allowing him to turn creative concepts into complex and reliable web applications and platforms.

Ivan Kostov


Ivan is a results-driven marketing professional with more than 10 years of experience in the field, with a heavy focus on financial services marketing. His trademark is the ability to deliver highly effective and measurable strategies to secure revenue growth for both B2C and B2B. Ivan is always striving to be at the forefront of innovative marketing methods and the results of Credissimo are a testimony to that.

Yasen Damyanov

Business Development

Yasen has been active in business development and project management at several companies for over 10 years now, including Credissimo, Drooble, YouLocal, and SEM Expert. An economist by education he is an entrepreneur at heart, who firmly believes that successful businesses are the constantly evolving ones.

Mario Krastev

Senior Quality Assurance Specialist

Mario is a QA professional dedicated to perfection and closely monitoring software development trends. He has extensive experience in two of the most competitive areas in digital product development - gaming and social network applications. With the blockchain technology finding mainstream adoption, Mario is contributing to the community with his knowledge and expertise.

New Crypto Overdraft

Don’t sell your crypto. Don’t lose the upside potential.
Get an Instant Crypto Overdraft from Nexo

1 Choose Overdraft Amount
2 Select Duration
3 Get Cash Instantly
Bitcoin Ethereum NEXO Token Altcoins &
EC20 Tokens

Overdraft Duration

1 month 24 months

Total Repayments



Using Nexo Overdraft is better than selling your crypto. See why

Payout Method

How would you like to receive your $?

Free Nexo Credit Card

with Flexible Overdraft Limit

Nexo Credit Card
View all features

Virtual Card


Physical Card

3-5 days

Get Credit Card

Bank Transfer

to any personal or business bank account


1-3 days


Same/Next Day

Make Bank Transfer