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Earn on Crypto

Earn up to 5% interest on crypto and up to 10% on stablecoins, paid out daily.

Laptop showcasing Nexo's Platform and focusing on Earn

Up to 10%
compounding interest

daily payout

Add or withdraw
funds at any time

$100 million insurance on custodial assets

No minimum contribution required and #ZeroFees

Available Assets

Ready to earn interest? Grow your wealth with Nexo’s high-yield savings account.

10% APY

USDT Interest Account

10% APY

USDC Interest Account

10% APY

PAX Interest Account

10% APY

TUSD Interest Account

10% APY

DAI Interest Account

10% APY

HUSD Interest Account

5% APY

BTC Interest Account

5% APY

ETH Interest Account

5% APY

XRP Interest Account

5% APY

BCH Interest Account

5% APY

LTC Interest Account

5% APY

EOS Interest Account

5% APY

LINK Interest Account

5% APY

XLM Interest Account

5% APY

TRX Interest Account

5% APY

PAXG Interest Account

Available Soon

BNB Interest Account
Insurance on
custodial assets

How to Earn on Crypto

Passive Income Made Simple


Top Up Supported Assets

Choose between various cryptocurrencies and stablecoins. Make sure you are using the most up-to-date wallet address and the correct reference to avoid any delays.

USD Coin
Bitcoin Cash
Top up Tether

Start Earning

Once received, the assets in your Nexo Account will automatically start earning interest which is credited to you daily. You are free to add or withdraw any amount at any time at #ZeroFees.

Asset APY Earned Today
USD 1273.41
USD 260.37
USD 195.62

It’s Simple. Earn Interest

Start growing your wealth today with Nexo’s unmatched 10% APY and unique daily payout.

Earn in 3 Minutes

Jumpstart your earnings with our introductory video.

The Safest Way to Earn

The Nexo platform is equipped with a top-quality security infrastructure designed to protect your assets 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.

Earn up to 10% interest on Crypto Assets - Explained

Follow these simple steps and start earning up to 10% compounding interest on your idle crypto:

  1. Log in to your secure Nexo account.

  2. Transfer assets into your Nexo Wallet.

    Earn on Crypto is available for BTC, ETH, LTC, XRP, EOS, XLM, BCH, USDT, USDC, TUSD, DAI, PAX, LINK, TRX, HUSD with more assets including BNB and PAXG coming soon!

    Important: Assets held in your Credit Line wallet (used as collateral) will not earn interest.

  3. Earn! You will start earning compounding interest after a minimum of 24 hours of your transfer. All interest is paid out daily in kind.

    Your interest is automatically paid into your Savings Wallet so that next day you begin earning interest on it too.

  4. Enjoy your high-yield passive income.

What are the interest rates (APY)?

Your interest rate is determined by the ratio of NEXO Tokens against the balance of the other assets in your Savings Wallet.

How is your interest calculated?

Your interest is credited into your Savings wallet daily and is then calculated in your upcoming interest transactions.

Daily Interest = Principal amount (in original cryptocurrency) x (APY/365)


If you've staked enough NEXO Tokens (10% or more of the value of your 1000 XRP) and deposited 1000 XRP, your calculation for daily interest for the first day will be:

1000 XRP x 0.0133680617% = 0.13368 XRP

Without NEXO Tokens staking, the calculation will be:

1000 XRP x 0.0107459782% = 0,107459 XRP

Important: Your interest rate (APY) may change if you choose to stake or unstake NEXO Tokens on any given day while earning interest on your other assets.

How can I calculate the Nexo token staking required for higher interest rates?

You will need to stake NEXO Tokens worth 10% of the total value of assets in your Savings Wallet to be eligible for higher interest rates.

The exact amount of NEXO Tokens required for the bonus interest rates in any given moment will depend on the token price and will be displayed in the Total Interest Earned section:



If the total balance in your Savings Wallet equals 10 000 USD (excl. the NEXO Token balance), you will have to stake 1000 USD worth of NEXO Tokens. As the price of the crypto assets fluctuates, it is advisable to add more NEXO Tokens to ensure that you will not miss out on our bonus interest rates.

You can also check your Total Balance in Savings Wallet (incl. your NEXO Token balance) anytime in the Account section of your Nexo profile:


What currency will the interest be paid out in?

The interest will be paid out in the same currency as your deposit currency (e.g. if you top up LTC, you will earn interest in LTC).

Where can I see the interest I have earned from my active deposit(s)?

You can see the daily interest from active deposits accumulated in the Account section under 'Total Interest Earned'.


After clicking on the Total Interest Earned button, you can access detailed information about all the crypto assets and the interest you have earned so far:


We will also send a weekly email to all the clients with active deposits that are earning interest. The email will contain information about the accumulated interest for the past 7 days, per asset.

The email will include only those assets for which at least one interest transaction was credited during the past week. Тhe total amount earned will be presented in the email in US dollars for the purposes of comparison. Keep in mind that you will still receive your interest payments in kind, not in USD.

How is Nexo able to pay interest on my assets?

We are committed to protecting your assets by lending them to institutions on an overcollateralized basis only, the way our crypto-backed loans work. Our rates are kept stable over time, because of Nexo's risk policy to never lend without collateral, which results in lower yields but basically no risk.


The main benefits of Nexo's "Earn Interest":

  • High-yield savings with a compounding interest rate of up to 10%
  • A unique daily payout
  • Full flexibility: use or withdraw funds at any time
  • Available for BTC, ETH, LTC, XRP, EOS, XLM, BCH, USDT, USDC, TUSD, DAI, PAX with more assets including
  • BNB and Pax Gold coming soon!
  • #ZeroFees—No fees, no minimum contribution requirements
  • $100 million insurance on custodial assets through Lloyd's of London
  • Cold storage in bank-grade Class III vaults through the SOC 2 Type 2 certified crypto custodian BitGo
  • All funds are asset-backed by Nexo's portfolio of 200--500% overcollateralized crypto credit lines

More details concerning "Earn Interest" for specific assets:

How to Transfer assets between the Savings Wallet and the Credit Line Wallet?

In order to transfer your crypto assets from your Credit Line Wallet to your SAVINGS Wallet and vice versa please follow the steps below:

  1. Log in to your Nexo account.

  2. Scroll to the bottom of the page where all supported cryptocurrencies are displayed. Please click on the "wallet" icon next to the assets you want to move to your Savings Wallet:


  3. You will be shown a new window with information concerning your Savings Wallet and Credit Line Wallet along with the sum you can currently move to your Savings Wallet.


  4. Please click on the "Transfer Between Wallets" button. In the new window, you can choose how much of your "excess collateral" you want to move to your Savings Wallet. After you are ready please click on the "Transfer" button.


  5. You have successfully move your assets from Credit Line Wallet to Savings Wallet.

How to transfer funds from the Savings Wallet to the Credit Line Wallet?

Please follow the same steps above in order to transfer your funds form the Savings Wallet to the Credit Line Wallet. When you reach the 4th step, please click on the arrows to change the direction of the transfer:


How do I earn 25% more on my idle assets?

We have updated the Nexo Wallet which will, from now on, be referred to as the Savings Wallet.

The standard Earn Interest rate is 8% for fiat and stablecoins and 4% for crypto assets.

In order to receive 10% and 5% interest on your savings respectively, at least 10% of the holdings in your Savings Wallet have to be in NEXO Tokens. If this condition is met, you will automatically receive an extra 25% on your assets compared to the standard rate.


Value of assets in your Saving Wallet: 10,000 USD

Value of NEXO Tokens required for you to get the highest interest: min of 1,000 USD

The exact amount of NEXO Tokens required for the bonus interest rates in any given moment will depend on the token price and will be displayed in the "Total Earned" screen:


Earn 10% interest on EUR and GBP.

Please follow these three steps to make your savings work for you:

  1. Open your free and secure personal or business Nexo account by clicking here
  2. Transfer your savings to your Nexo account. Please do not forget to use your unique reference code. The minimum Top-Up for:
    • EUR is 1000 EUR (will be lowered soon)
    • GBP is 1000 GBP (will be lowered soon)
  3. Аs soon as the transaction is confirmed, you instantly start earning interest.
  4. Watch how the high-yielding 8% interest paid on your passive income is added daily to your Nexo account.

What should I do to start earning 10% interest on my idle funds?

You will need to stake NEXO Tokens worth 10% of the total value of assets in your Savings Wallet to be eligible for higher interest rates.

The exact amount of NEXO Tokens required for the bonus interest rates in any given moment will depend on the token price and will be displayed in the "Total Earned" screen:


To learn more on how to earn 25% higher interest, please click here.

Main benefits of Nexo "Earn Interest on fiat currency" product:

  • High-yield savings & passive income with an interest rate of up to 10% per year
  • Interest compounding daily, starting from Day 1
  • No fees
  • Add and withdraw assets at any time
  • Crypto custodian insurance policy of up to $100M
  • All funds are asset-backed by Nexo's growing portfolio of overcollateralized crypto loans

To learn more about our "Earn Interest on fiat currency", please click here.

Why did I not receive interest on my savings?

Please note that in order to be paid interest on your crypto assets (BTC, ETH, LTC, XRP, EOS, XLM, BCH, LINK, TRX, USDT, USDC, TUSD, DAI, PAX, HUSD with more assets including BNB and PAXG coming soon) have to be held in your Saving Wallet.

Please note that we do not pay interest on the funds, which are locked as collateral.


The first interest payment after the initial deposit will be paid no earlier than after 24h of the successful deposit at 01:00 CET on the following day.


  1. Successful deposit credited at 00:30 CET on 10th of June. The first interest payment will take place at 01:00 CET on 11th June. Waiting period equals to 24.5h.

  2. Successful deposit credited at 02:00 CET on 10th of June. The first interest payment will happen at 01:00 CET on 12th June. Waiting period equals to 47h (24h period passes after the interest payment for 11th June was completed).

Minimum deposit required to start earning high-yielding up to 10% APY interest on your crypto

The minimum amount of crypto assets you should deposit to start earning high-yielding up to 10% APY interest are:

  • BTC: 0.001
  • ETH: 0.01
  • XRP: 5.0
  • USDT: 1.0
  • USDC: 1.0
  • PAX: 1.0
  • TUSD: 1.0
  • DAI: 1.0
  • BCH: 0.005
  • LTC: 0.01
  • EOS: 0.5
  • XLM: 20.0
  • LINK: 0.3
  • TRX: 150
  • HUSD: 1.0
Close shot of woman using Nexo's Mobile App

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.

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

Start Earning

Start growing your wealth today with Nexo’s unmatched 10% APY and unique daily payout.