Earn 1% cashback each time you purchase NEXO Tokens until June 23. Hurry, the promo ends in :::

Instant Crypto Credit Lines

Borrow cash or Stablecoins from 6.9% APR, without selling your crypto.

Laptop showcasing the Nexo's Dashboard and focusing on Portfolio Value
BORROW INSTANTLY IN

40+ Fiat Currencies

Stablecoins

Starting from just 6.9% APR

Automatic approval, no credit checks

$375 million insurance on custodial assets

Credit lines available from $50 to $2 million

Credit line backed by multiple assets

Flexible collateral management

Supported Assets

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

NEXO Token

Credit Line

Bitcoin

Credit Line

Ethereum

Credit Line

XRP

Credit Line

Bitcoin Cash

Credit Line

Litecoin

Credit Line

BNB

Credit Line

EOS

Credit Line

Chainlink

Credit Line

Stellar

Credit Line

Tron

Credit Line

PAXG

Credit Line

Tether

Credit Line

USD Coin

Credit Line

PAX

Credit Line

TrueUSD

Credit Line

DAI

Credit Line

HUSD

Credit Line
100+
Nexo Exchange
currency pairs
1.5M+
Nexo
users
40+
Fiat currencies
available
18
Cryptocurrencies
accepted

How to Borrow

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

1

Top up supported assets

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

Top up NEXO Token
2

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.

$171,623.33

Available Credit Line


CHOOSE FROM

40+ Fiat Currencies

Stablecoins

Borrow
3

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.

Why Nexo

Learn how to utilize the Instant Crypto Credit Line™

Borrow in 3 Minutes

HODL your way to wealth with our introductory videos
on crypto-backed credit.

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

Military-grade Security

Cold storage held in military-grade Class III vaults

ISO 27001:2013 Compliant

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

$375 Million Insurance

Insurance on custodial assets

24/7 Customer Support

Round the clock assistance

Borrow Better: Nexo Loyalty

Get the best rates for our
Instant Crypto Credit Lines™.

Loyalty Levels Overview

FAQs

All your questions about Nexo answered.

How to borrow cash or stablecoins?

You can transfer your assets to your Nexo account and get an Instant Crypto Credit Line™.

You can immediately get cash from your credit line by:

  • Withdrawing fiat straight to your bank account. You can choose between 40+ currencies.
  • Withdrawing USDT or USDC to your Nexo account or another compatible address.
  • Using the free Nexo Card.

To open a credit line, you need to:

  1. Open the Nexo platform or the Nexo Wallet App.
  2. Top up crypto assets and complete verification.
  3. Tap the “Borrow” button in your Nexo Wallet to withdraw cash or stablecoins instantly.

Watch this short video on How to get an Instant Crypto Credit Linе™ to learn more about our credit line.

Note: Due to anti-money laundering regulations, you can only use stablecoins to cover 50% of the collateral required for fiat credit. The other half of the required collateral must comprise crypto assets (e.g. BTC, ETH, etc.)

You may also need to provide supporting documents to prove the origin of your funds.

Visit our help center for more detailed information.

What is loan-to-value (LTV)?

The loan-to-value (LTV) ratio is the ratio of the loan relative to the value of the collateral asset).

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

Example:

Credit amount: $5,000

Value of collateral: $10,000

Loan-to-Value = ($5,000/$10,000)*100% = 50.0%

For exact LTV on each asset, visit our help center.

Are there any fees?

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

  • You can repay your outstanding balance, in part or completely, at any time and you only pay interest for the period you borrowed.
  • No minimum repayments.
  • No installments – you can make repayments at any time.

The interest you accrue on your credit is added to your outstanding balance daily at 22:00 UTC.

Note: If you repay a loan within 30 days of the last withdrawal, you will be charged interest for the full 30 days.

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

If your collateral appreciates in value, your credit line limit also goes up. You’re free to withdraw more credit or leave your current loan as is.

You can also use the extra value of your crypto to pay off part of your credit. If your assets have met your price target, then you can:

  • Place an order in your Nexo Wallet to sell a fraction of the crypto assets in your account.
  • Repay part or all of your outstanding balance.

The transaction is performed without any additional fees on Nexo’s part. Any resulting charges are fees from the exchange that facilitated the trade.

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

Can I borrow more than one time?

You can withdraw from your Nexo credit line as many times as you want as long as you:

  • Maintain the required loan-to-value ratio, and
  • Have enough collateral in your Nexo account to cover your credit.

Note: If there is not enough collateral in your Credit Line Wallet for a credit withdrawal, assets from your Savings Wallet will be transferred automatically to your Credit Line Wallet.

Happy woman using her laptop

The Finest Financial Services for Your Digital Assets

Nexo is the world’s leading regulated digital assets institution. 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 $375 million custodial insurance and military-grade security of the Nexo Account. Nexo currently manages $15+ billion in assets for 1,500,000+ 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.

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.

Since the launch of Nexonomics, NEXO price has seen an increase of more than 480% with its market capitalization increasing from $68 million to its current value of $383 million over a three-month period.

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

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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Start Borrowing

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