Follow these simple steps and start earning up to 12% 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, XRP, BCH, LTC, BNB, EOS, LINK, XLM, TRX, PAXG, USDT, USDC, PAX, TUSD, DAI, HUSD with more assets coming soon!

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

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

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:

1. The ratio of NEXO Tokens against the balance of the other assets in your Savings Wallet.

- if the NEXO Tokens value is below 10% of total assets held in the Savings Wallet, then there is no additional interest bonus

- if the NEXO Tokens value is above 10% of total assets held in the Savings Wallet, then you receive a 1% bonus interest on your cryptocurrencies and 2% bonus on stablecoins

2. The cryptocurrency interest is paid:

- if the interest earned is paid in kind (the same cryptocurrency), then there is no additional bonus

- if the interest earned is paid in NEXO Tokens, then you receive a +2% bonus on interest on all your holdings

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)

Example:

Calculations based on 1000 XRP deposit.

1. If you have staked enough NEXO Tokens (10% or more of the value of your 1000 XRP) and you chose to earn an interest in NEXO Tokens, your calculation for daily interest for the first day will be:

1000 XRP x 0.0210874398% = 0.21087 XRP (which will be converted to USD and then to NEXO Tokens)

2. If you’ve staked enough NEXO Tokens (10% or more of the value of your 1000 XRP) and you chose to earn an interest in in kind (same cryptocurrency), then you will receive:

1000 XRP x 0.0159653587% = 0.15965 XRP

3. Without NEXO Tokens staking, but earning interest in NEXO Token the calculation will be:

1000 XRP x 0.0185383342% = 0.18538 XRP (which will be converted to USD and then to NEXO Tokens)

4. Without NEXO Tokens staking and earning interest in kind (same cryptocurrency) you will receive:

1000 XRP x 0.0133680617% = 0.13368 XRP

Important: Your interest rate (APY) will change if you choose to stake or unstake NEXO Tokens on any given day and if you decided to earn interest in or not in NEXO Tokens.

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:

Example:

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) or in NEXO Tokens (giving you +2% bonus).

How can I activate earning interest in NEXO Tokens for higher interest rates?

Please follow these steps:

1. Log in to your Nexo account.

2. Then click on "My Profile".

3. Clink on "Settings."

4. Choose "Interest payout in NEXO tokens."

5. Congratulations you activated a +2% interest bonus on all assets held in your Savings Wallet.

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 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 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 interest rate of up to 12%
• A unique daily payout
• Full flexibility: use or withdraw funds at any time
• Available for BTC, ETH, XRP, BCH, LTC, BNB, EOS, LINK, XLM, TRX, PAXG, USDT, USDC, PAX, TUSD, DAI, HUSD
• BNB coming soon!
• $375 million insurance on custodial assets
• 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:

• EUR and GBP
• Stablecoins and crypto

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 (excess collateral) 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:

Please keep in mind that upon requesting a loan crypto assets may be automatically transferred from Savings wallet to Credit Line wallet if there is not enough collateral in the Credit Line wallet to support the loan.

The standard Earn Interest rate is 8% for fiat and stablecoins and 5% for crypto assets.

In order to receive 12% and 8% interest on your savings respectively you have to:

1. 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 2% on your fiat and stablecoins and +1% on your cryptocurrencies compared to the standard rate.

2. If you choose to Earn Interest in NEXO Tokens instead of in kind (same cryptocurrency) you will receive additional +2% interest on all your assets held in Savings Wallet.

Example:

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 Interest Earned’ screen:

How to activate option to EARN Interest in NEXO Token:

1. Log in to your Nexo account.

2. Then click on "My Profile".

3. Clink on "Settings"

4. Choose "All interest pain in NEXO Tokens"

5. Congratulations you activated a +2% interest bonus on all assets held in your Savings Wallet.

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. Complete Basic and Advance Verification.
3. 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)
4. Аs soon as the transaction is confirmed, you instantly start earning interest.
5. Watch how the high-yielding up to 12% interest paid on your passive income is added daily to your Nexo account.

What should I do to start earning 12% interest on my idle funds?

1. 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 Interst Earned’ screen:

2. You will have to choose to earn interest in NEXO Token.

To learn more on how activate earning interest in NEXO tokens, 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 12% 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 $375M
• 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.

Please note that in order to be paid interest on your crypto assets (BTC, ETH, XRP, BCH, LTC, BNB, EOS, LINK, XLM, TRX, PAXG, USDT, USDC, PAX, TUSD, DAI, HUSD with more assets 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.

Important:

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.

Example:

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).

The minimum amount of crypto assets you should deposit to start earning high-yielding up to 12% APR interest are:

In order to take advantage of earning +2% interest on all your assets held in the Savings Wallet, please follow these steps:

1. Log in to your Nexo account.

2. Then click on "My Profile".

3. Clink on "Settings".

4. Choose "Interest payout in NEXO tokens".

5. Congratulations you activated a +2% interest bonus on all assets held in your Savings wallet.

You will also start seeing the amount of NEXO Tokens you have earned: