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Instant Crypto Credit Lines

Borrow cash or Stablecoins from 5.9% APR, without selling your crypto.

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40+ Fiat Currencies


Starting from just 5.9% APR

Automatic approval, no credit checks

$100 million insurance on custodial assets

Credit lines available from $10 to $2 million

#ZeroFees and flexible repayments

Supported Collateral

Get cash, keep your crypto using a variety of supported collateral options.

Vote Which Coin to Add Next


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Bitcoin Cash

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NEXO Token

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USD Coin

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Processed in
2 years
Fiat currencies

How to Borrow

There’s nothing more efficient than opening
an Instant Crypto Credit Line with Nexo.


Top up supported assets

Click on the "Top up" button. Copy the deposit address and transfer the amount you wish to top up.

Top up Bitcoin

A credit line becomes instantly available, no credit checks

Once you have added digital assets to your account, you will be able to open a credit line. Your available credit line limit will be calculated depending on the value of your assets.


Available Credit Line


40+ Fiat Currencies



Start spending

Withdraw cash or stablecoins or start spending using the Nexo Card. You will be charged interest only on the amount you actually withdraw.

Your withdrawal is
instantly processed.

Credit Powered by
Your Crypto

Hold on to your crypto’s upside potential and get instant cash with Nexo’s Instant Crypto Credit Lines.

The Safest Way to Borrow

The Nexo platform is equipped with a top-quality security infrastructure designed to protect your collateral at all times.

Learn More

13 Years in FinTech

Over a decade of flawless FinTech success

ISO 27001:2013 Compliant

Impeccable risk assessment, data protection, and state-of-the-art cybersecurity

$100 Million Insurance

Insurance on custodial assets via Lloyd’s of London

24/7 Customer Support

Round the clock assistance


All your questions about Nexo answered.

Loan-to-Value (LTV) explained

The Loan-to-Value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of the collateral. Otherwise said, the measurement of the balance of the loan relative to the value of the collateral asset is represented as Loan-to-Value (LTV).

Traditional lenders (e.g. banks) use your credit score, as reported by third-party credit agencies, to determine your creditworthiness. The higher your credit score, the lower the risk for the lender. To remove the credit score form the equation you can apply for an asset-backed loan like the one offered by Nexo.

LTV is calculated as the loan amount in USD divided by the value of the collateral in USD, expressed as a percentage.


Loan amount: 5,000 USD
Value of collateral: 10,000 USD
Loan-to-Value = ($5,000/$10,000)*100% = 50.0%


How Loan-to-Value fluctuates and what it means for you?

As the value of the collateral goes down, the Loan-to-Value goes up. In the case of a crypto asset-backed loan, the value of Bitcoin, Ether, Litecoin, Bitcoincash, etc. is trending down.


Monitoring your account is very important during market drops. If the price of the crypto asset falls too low, the Loan-to-Value will continue to increase and the Nexo blockchain oracle will automatically request, via SMS and email, that you repay your loan or add extra collateral in your Credit Line Wallet.

Unless you do so as prompted, there is a threshold where assets from the Savings Wallet (if any) will be automatically moved to your Credit Line Wallet and if they are insufficient to cover the required Loan-to-Value, the collateralized asset will start being sold by the fully automated Nexo blockchain oracle to pay back part of the loan in order to rebalance the Loan-to-Value. This threshold at Nexo is set at 83.3%.

Before that happens you will be notified via SMS and email.



Loan amount: 5,000 USD
Value of collateral: 6,000 USD
Loan-to-Value = ($5,000/$6,000)*100% = 83.3%

As a borrower, you always have the option to transfer more collateral at any time.

To summarize:

The price of crypto assets fluctuates strongly - it can move up or down. When the price moves up, the Loan-to-Value goes down. When the price moves down, the Loan-to-Value goes up.

Are your loans secured?

The Nexo Loans are secured by crypto assets. But the major difference between ours and the traditional secured loans is that you retain ownership of the collateral and profit from its upside potential.

Click here to find out more about our Security and Insurance.

Are there any prepayment, origination or loan instalments fees?

No, there are no prepayment, origination or instalment fees.

You can repay your outstanding balance, in part or completely, at any time and save on interest since you only pay interest for the period you borrowed.

There are no minimum amounts of repayments in fiat currencies. For minimum amounts for cryptocurrencies please click here.

There are no instalment payments. You can make repayments at any time. Interest is added to your outstanding balance daily at 00:00 CET.

Please note that if you repay a loan within 30 days of the last withdrawal, you will be charged interest for the full 30 days. Repayments will be used to cover the earliest loan withdrawals and to pay off interest before the principal.

What happens if the value of the collateral changes before I repay my loan?

If the value of the assets increases and the client believes that their crypto-asset has met their price target, they can place an order with the Nexo blockchain oracle to sell a fraction of the crypto assets stored in their account and repay part or all of their outstanding balance. The transaction is performed through API on some of the major exchanges (i.e. Bitstamp, Kraken, etc.) without any additional fees besides the exchange's fees.

An increase in the value of the collateral assets also allows the client to withdraw more from their Credit Line.

If the assets decrease significantly in value and you do not contribute additional assets to your Nexo account after receiving warnings from the Nexo blockchain oracle, the Nexo blockchain oracle may initiate partial automatic loan repayments to rebalance the Loan-to-Value back within limits.

The total value of your crypto assets and the minimum amount, which will trigger the small automatic loan repayments can be seen at any time below all your crypto positions on your Nexo account:


Are there margin calls, will I be notified beforehand and how much time I will have to respond?

If the collateral assets decrease in value significantly, the client will be warned to add more collateral.

The client will be notified, and partial automatic loan repayments will only start after the Loan-to-Value increases to 83.3%.


If the loan amount is 5,000 USD then the partial automatic loan repayment will be initiated only when the value of your collateral decreases to less than 6,000 USD.

Loan amount: 5,000 USD
Value of collateral: 6,000 USD
Loan-to-Value = ($5,000/$6,000)*100% = 83.33%

The total value of your crypto assets and the minimum amount which will trigger the small automatic loan repayments can be seen at any time below of all your crypto positions in your Nexo account:


The client will receive a minimum of three notifications (via SMS and email) before that. This will happen when the Loan-to-Value increases to 71.4%, 74.1%, 76.9%. The client will be prompted to deposit more crypto assets into their Nexo account to prevent partial automatic loan repayments.

Please note that the Nexo blockchain oracle will not sell all crypto assets at once. Sell orders are executed in small increments only as much as to rebalance the Loan-to-Value back within the limits. Sell market orders are made at the market price on leading cryptocurrency exchanges. The transaction is performed through API on some of the major exchanges (i.e. Bitstamp, Kraken etc.) without any additional fees besides the exchange's fees. The funds received back from the exchange will be instantly applied towards your outstanding loan balancе.

The table below illustrates how the Loan-to-Value changes when a repayment is made - based on the percentage of sold collateral (the price of crypto assets is constant):


Can I take out more than one loan at a time?

You can withdraw as many times as you like from your Credit Line as long as you maintain the Loan-to-Value ratio, and you have enough collateral assets in your Nexo account.

Similarly, you can make repayments at any time and, thus, increase the available loan limit in your account.

Happy woman using her laptop

The Finest Financial Services for Your Digital Assets

Nexo is the world’s leading regulated financial institution for digital assets. The company’s mission from day 1 is to maximize the value of digital assets by offering tax-efficient ‘Instant Crypto Credit Lines’, high-yield ‘Earn Interest’ products and ‘Send & Pay’ capabilities for our clients, while ensuring the $100 million custodial insurance and military-grade security of the Nexo Account. Since raising $52.5 million in 2018, Nexo has processed $3+ billion in 40+ fiat currencies for 800,000+ users across 200 jurisdictions.

The world’s biggest crypto lender Nexo announced it officially backed its first mortgage using the cryptocurrency so “Mighty Ducks” actor Brock Pierce could buy a $1.2 million dollar home.

Nexo gives clients a tool that billionaires have had for years.

This is not a startup this is a team that has a successful track record of over 10 years extending over $120 million in credit...The group recently raised over $50 million for Nexo, its crypto lending venture. All money will be loaned out to so-called hodlers, or those who intend to hold digital currency long-term.

Brock Pierce backed the entire loan for the house with bitcoin. This was our first ever crypto-backed mortgage.

Nexo, which is backed by TechCrunch founder Michael Arrington, has introduced several initiatives over the last few months and recently became the first project to accept XRP as collateral. The company which functions as a bridge between the crypto world and the financial world.

Cryptocurrency startup Nexo which is backed by TechCrunch founder Michael Arrington, has launched a cash-based lending platform… [The] structure allows Nexo to provide instant loans without requiring credit checks or the time delay that manual approval processes require.

A good example is nexo.io a company providing instant cryptocurrency backed loans. The NEXO Dividend Token pays out 30 percent of the company’s profit to token holders.

The idea of crypto lending is one of the most revolutionary things that happened because of the wide adoption and popularity of cryptocurrencies (...) Switzerland-based Nexo is considered to be the first platform to provide instant crypto backed loans is adding XRP as the newest collateral option on their platform.

Nexo offered to provide immediate funding of up to $2 million per customer to SALT Lending’s backlog of loan applicants.

Nexo, a cryptocurrencies loan services, said this week that it’s going to offer interest payments on several leading stablecoins. When stored on the platform, trueusd (TUSD), geminidollar (GUSD), paxos standard (PAX), Circle’s usdcoin (USDC), and Maker’s dai (DAI) will generate an 8 percent interest rate for those holding the currency.

Nexo is ambitiously pursuing its goal of providing cryptoasset-backed credit to consumers in the EU and US. Nexo’s primary protocol functionality is an online platform that enables users to create instant cryptocurrency-backed loans by depositing various major cryptoassets into a Nexo account. The system automatically adjusts the credit limit based on the fluctuating value of the deposited cryptoassets.

Ein Darlehen aufnehmen und als Sicherheit die eigene Kryptowährung hinterlegen? Nexo macht es möglich. Es müssen lediglich KryptoAssets in den Nexo hinterlegt werden und sofort können Kunden einen Kredit aufnehmen, ohne sich einer Bonitätsprüfung unterziehen zu müssen.

The annualized dividend yield of NEXO is 4.80% which beats all dividend stocks in Warren Buffet’s portfolio: Apple at 1.4%, JP Morgan at 3%, Wells Fargo at 3.3%, and Goldman Sachs at 1.6%[...] A truly borderless enterprise, Nexo offers clients over 40+ fiat currencies to choose from in over 200 jurisdictions.

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American Banker
Yahoo Finance
Coin Telegraph
Seeking Alpha
Der Aktionar
Associated Press

Start Borrowing

Create a Nexo Account and get instant cash with our tax-efficient Instant Crypto Credit Lines.