XRP-backed loans

Obtenga un préstamo instantáneo
respaldado por su XRP

Deje que sus criptomonedas trabajen para usted. La única cuenta asegurada que le permite pedir un préstamo instantáneo en más de 45 monedas fiat y obtener intereses diarios sobre sus activos ociosos.

Cómo funciona

Seguro por valor de 100 millones de dólares
para activos en custodia

El prestamista de criptomonedas más grande y de mayor confianza del mundo Testimonios

Cómo funciona la línea de crédito instantánea
de criptomonedas de Nexo

Nexo Nexo

1 Deposite criptoactivos en
su cuenta segura de Nexo

Los criptoactivos son custodiados por BitGo,
el renombrado custodio aprobado por la SEC


2 La línea de crédito está disponible al instante
. Sin verificaciones crediticias

Obtenga una línea de crédito flexible al instante
con nuestro proceso totalmente automatizado


3 Utilice dinero al instante con la tarjeta
o traspase el dinero a su cuenta bancaria

Utilice el dinero de la línea de crédito en cualquier momento.
Desde un 8 % TAE anual sobre la cantidad utilizada


Sin reembolsos mínimos
ni cargos ocultos

Los intereses se cargan dentro de su límite disponible.
Efectúe reembolsos en cualquier momento

Nexo Platform Mobile
Nexo Platform

Por qué elegir la plataforma de Nexo

Plataforma automatizada en vivo

  • Nexo cuenta con una plataforma de préstamos instantáneos totalmente operativa con una experiencia de usuario impecable y un nivel de seguridad militar con cifrado de 256 bits.

Custodio asegurado

  • Nexo se ha asociado con para garantizar todos los criptoactivos. BitGo está asegurada por Lloid's, cuenta con el respaldo de Goldman Sachs y cumple con los estándares de seguridad CCSS nivel 3 y SOC 2.

Compliance regulatorio

  • Nexo utiliza con el fin de adherirse a los más estrictos estándares de cumplimiento global de KYC y AML. Onfido también cuenta con la confianza de Coinbase, Revolut, HSBC, Nationwide, TransferWise y Bittrex.

Acceso instantáneo a efectivo
Sin necesidad de vender

Nexo Nexo card

Línea de crédito flexible de criptomonedas

El límite de su línea de crédito de criptomonedas se calcula en función del valor de mercado de los criptoactivos depositados en su cuenta Nexo. El crédito disponible aumenta de forma automática e instantánea si el valor de sus criptomonedas aumenta

Saber más  

Nuestros clientes nos aman

Nexo en números

500 millones USD

tramitados para >200.000 usuarios Nexo


jurisdicciones y >45 monedas fiat admitidas

>1.000 millones USD

en solicitudes de préstamos instantáneos
respaldados por criptomonedas


seguidores en Telegram y
>38.000 en Twitter

>10 años

de exitosa trayectoria ofreciendo
préstamos en línea


Nexo en los medios de comunicación


Most often used by banks and other financial institutions to fortify their operational infrastructure, Ripple is both a distributed open source internet protocol and a cryptocurrency. It managed to rise to astonishing prominence during 2017. It has continued to dominate via its market capitalization, sitting within the top three cryptocurrencies since that time. Here are some interesting facts and a brief overview of Ripple - ticker symbol (XRP).

What is Ripple?

Ripple can be described as a real-time gross settlement system (RTGS) as well as a currency exchange and remittance network. It supports tokens that represent a wide range of items of value from fiat money, commodities and cryptocurrency to frequent flier miles and mobile minutes.

Ripple was founded in 2013 by Ripple Labs Inc. – a group of developers who had been working on prototypes of this kind of system dating back to 2004. The "Ripple" name can refer to three identities related to the project: Ripple Labs (the founding company that oversees the development of Ripple), the Ripple Transaction Protocol (RTXP), and the network's native cryptocurrency, (XRP), also known as Ripples.

Why Was It Created?

The Ripple protocol (XRP) was created to enable the near-instant and direct transfer of money between two parties. The main purpose of the Ripple platform is to enable the movement of large amounts of currency, cryptocurrency and other values around the world rapidly. While it can be used for individual-to-individual transactions, the platform was primarily built for banks, other large institutions and payment providers.

The use of XRP is totally independent of the Ripple network in general. Consequently, banks can use Ripple software to transfer money between different foreign currencies. Ripple Labs has claimed that over 100 major banks worldwide have signed up to the Ripple network (RippleNet).

XRP (Ripple) Features

Ripple is based on a shared public database that is managed by a network of independently validating servers that constantly compare transaction records. This common ledger makes use of a consensus process between those validating servers to ensure integrity. While it is consensus-oriented, Ripple is not a blockchain. Instead, it uses the Ripple Protocol Consensus Algorithm (RPCA).

RippleNet is the network of financial institutions that uses the following Ripple products:

  • Ripple's xCurrent platform uses a distributed ledger called "Interledger" and is the platform used by banks and other financial institutions to settle cross-border payments.
  • Ripple's XRP token is used by the xRapid platform where originating funds are converted into XRP before being transferred to their destination.
  • xVia is a user interface that has been designed to make these other platforms easier to use.

Like other cryptocurrencies, XRP can be divided down to many decimal places – in Ripple's case 6 decimal places. These Ripple fragments are referred to as "drops".

1 Drop = 0.000001 XRP

Supply and Circulation

There are currently approximately 40.3 billion units of Ripple in circulation, and the cryptocurrency's total supply is approximately 99.99 billion XRP.

This finite and slowly depleting supply of Ripple makes it deflationary.


Transaction Speed - Unlike the transaction speed issues that have plagued many other cryptocurrencies (such as Bitcoin), Ripple can handle 1,500 transactions per second (tps). It has recently been updated to scale to levels similar to Visa at 50,000 tps.

Minimal Transaction Fees- Unlike some other cryptocurrencies, Ripple has a minimal internal transaction commission of just 1 drop (0.000001 XRP). This is designed to prevent DDoS attacks.

Legitimacy - Ripple Labs is an official organization that has earned the trust of many banks. It is not just another blockchain startup from an unknown company.


Price Volatility - While Ripple began at a very low value when it launched and for its first few years, it has steadily increased as the cryptocurrency market has grown exponentially over the last few years. It is common to see the value of Ripple increase or decrease by 5 percent or more in a single day.

Questionable Decentralization - When 100 billion XRP was created, 20 billion XRP (or 20 percent) was retained by the founders of Ripple Labs. This centralized control is in direct contrast to the ideals and advantages of decentralized blockchains like Bitcoin.

Instant XRP (Ripple) Crypto Loans

Nexo is now offering Instant XRP (Ripple) Crypto Loans. Investors now have the ability to offer their XRP up as collateral for a XRP loan. This Instant Ripple Crypto Loan will allow investors to hold onto their XRP and receive borrowed crypto assets against their holdings.

Due to its popularity as one of the top three most widely held cryptocurrencies, XRP has a vast range of holders around the globe. Many of these XRP investors tend to sit on their holdings while it remains idle or in little use for long periods of time, and not allow it to be used in any earning capacity. Nexo can now offer a solution to this problem by allowing existing XRP holders to borrow against their existing holdings.

Also, by retaining XRP via an XRP loan with Nexo, investors do not risk losing any of the upside potential in the long term. In fact, an XRP loan could be the difference in securing a larger portfolio net worth in the present climate of the crypto market.