Banking on Crypto

Earn Interest


paid out daily

Borrow Instantly


available as collateral

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Licensed & regulated digital assets institution

$375 million insurance on all custodial assets

More than 1.5M instantly happy clients

Assets under
Fiat currencies
Available in 200+
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Earn Interest

Earn daily interest on your crypto and EUR, GBP and USD

  • Up to 12% annual interest
  • Unique daily payout
  • $375 million insurance on all custodial assets
  • Add or withdraw funds at any time
Earn on EUR, GBP and USD
Explore Our Institutional Offerings
BalanceAssetEarn InterestCredit LineTotal Interest Earned$23,758.55
1 Select an Asset
2 Start Earning Daily Interest
Asset APR Earned Today
USD 1273.41
USD 260.37
USD 195.62

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Borrow Cash
or Stablecoins

Collateralize your crypto and borrow instantly with Nexo's crypto credit lines

  • Interest starting from 5.9% APR*
  • $375 million insurance on all custodial assets
  • A minimum of $50 and a maximum of $2 million
  • Automatic approval, no credit checks
Borrow Cash or Stablecoins
Explore Our Institutional Offerings
BalanceAssetEarn InterestCredit LineCredit Line$171,623.33Portfolio Value$245,176.19
1 Use Crypto as Collateral
2 A Credit Line is Opened Instantly


Available Credit Line


40+ Fiat Currencies


3 Start Spending

Your withdrawal is
instantly processed.

Nexo Card

Your Digital Assets Are Just a Swipe Away

The only card that lets you spend the value of your digital assets without having to sell them. Get instant cashback on all purchases and take advantage of flexible repayment options.

Get Your Nexo Card
  • Accepted by 40+ million merchants worldwide
  • Instant 2% cashback on all purchases
  • Flexible repayment options
  • Free virtual cards
  • Payments in local currencies
  • No monthly/annual fees, no FX fees
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The Ultimate Security for Your Digital Assets

The Nexo platform is equipped with a top-quality security infrastructure designed to ensure maximum protection of assets 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

Enjoy Your Nexo Account on the Go

Get access to the Instant Crypto Credit Lines and high-yield ‘Earn Interest’ account anytime, any place with the Nexo Wallet App.

Available now on iOS & Android.

2,000+ 5 Star Reviews

On the App Store & Google Play Store

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Nexo's Co-Founder and Managing Partner Antoni Trenchev

Our Mission

Creating the Future of Finance Today

Since 2018 Nexo has strived to bring professional banking services to the world of digital assets. Leveraging the best of the team’s years of experience in FinTech along with the power of blockchain technology, Nexo is empowering thousands of people to harness the value behind their crypto assets and live the future of finance today.
About us
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All your questions about Nexo answered.

  • Earn
  • Borrow
  • Exchange
  • NEXO Token

How to earn up to 12% interest on crypto?

Start earning up to 12% interest in two simple steps:

  1. Open the Nexo platform or the Nexo Wallet App
  2. Transfer assets into your Nexo Wallet

You’re all set! Now you’re earning daily interest that automatically goes straight into your Savings Wallet and as of the next day, you will be earning interest on your earned interest.

Note: You’ll start earning interest at least 24 hours after your transfer. Also, assets held in your Credit Line Wallet (i.e. assets being used as collateral) will not earn interest.

Find out which digital assets are currently available for our Earn suite and what the exact interest rates are in our help center.

How to earn up to 12% interest on EUR, GBP and USD?

Earn up to 12% interest on GBP, EUR and USD, following these three simple steps:

  1. Open the Nexo platform or the Nexo Wallet App.
  2. Complete Basic and Advanced Verification.
  3. Transfer your fiat into your Nexo account. Don‘t forget to use your unique reference code!

That’s it! You’ll instantly start earning interest as soon as the transaction is confirmed.

Note: The minimum top-up amounts are €1,000 for EUR, £10 for GBP.

For more detailed information, visit our help centre.

How do I get Nexo’s highest interest rate?

To receive between 8% and 12% interest on your savings, you have to:

  • Become a Platinum Loyalty tier client by making sure at least 10% of your Portfolio Balance comprises NEXO Tokens.
  • Opt to earn your interest in NEXO Tokens for an additional 2% interest.


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

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

To activate Earn in NEXO:

  1. Open the Nexo platform or the Nexo Wallet App
  2. Click on the “Settings” menu in the “My profile” section
  3. Activate the option to Earn in NEXO

What are Nexo’s interest rates?

Your interest rate is determined by:

1. Your Loyalty tier, which in turn depends on the ratio of NEXO Tokens against the balance of other assets in your portfolio. The requirements for each tier are as follows:

  • Base: No NEXO Tokens are needed.
  • Silver: At least 1% of the Portfolio Balance in your account must comprise NEXO Tokens.
  • Gold: At least 5% of the Portfolio Balance in your account must comprise NEXO Tokens.
  • Platinum: At least 10% of the Portfolio Balance in your account must comprise NEXO Tokens.

2. Whether you choose to receive your interest in kind or in NEXO Tokens:

  • Earning in kind means you receive your interest payments in the currency you’re earning on.
  • Earning in NEXO means you receive interest payments in NEXO Tokens and benefit from an extra 2% interest on all your holding.

You can calculate your daily interest as shown below:

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

Note: Your interest rate will change if you choose to hold NEXO Tokens on any given day and if you decide to earn interest in NEXO Tokens or in kind.

Learn more about our interest rates here.

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 centre 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.


Loan amount: $5,000

Value of collateral: $10,000

Loan-to-Value = ($5,000/$10,000)*100% = 50%

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 take out more than one loan at a 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.

What is the Nexo Exchange?

The Nexo Exchange is Nexo’s swap functionality, which allows for immediate exchanges between 100+ crypto and fiat pairs directly within the Nexo platform. The feature is a one-stop shop for the NEXO Token and other crypto and fiat currencies, enabling users to buy, sell, store, borrow against, and earn interest on their assets.

How can Nexo guarantee the best market prices currently available?

Thanks to our in-house Smart Routing system, the Nexo Exchange simultaneously connects to 5+ exchanges to identify the best prices and splits orders depending on the price per volume. The system optimizes swapping between fiat and crypto currencies within a fraction of a second and creates a deal better than any manual execution.

What currencies does the Nexo Exchange support?

The Nexo Exchange currently supports swaps between more than 100 digital and fiat currency pairs, including these NEXO Token pairs:

  • NEXO / BTC
  • NEXO / ETH

See all available pairs on our help center.

Note: Trading NEXO Tokens on the Nexo Exchange requires Advanced Verification and is currently not available to US citizens.

How can I buy and sell NEXO Tokens?

The Nexo Exchange eliminates the need for third-party services for buying and selling NEXO Tokens. To buy or sell NEXO Tokens you need to:

  1. Open the Nexo platform or the Nexo Wallet App
  2. Click on the “Exchange” tab
  3. Select the currencies you would like to swap
  4. Click “Exchange”

What is the NEXO Token and what are the benefits of holding it?

If you want to be a part of the Nexo enterprise and earn along with the company, buying NEXO Tokens is as easy as purchasing any other crypto asset. The NEXO Token is the world’s first, dividend-paying, asset-backed token. Holding NEXO Tokens automatically makes you a part of Nexo’s Loyalty Program. Each Loyalty tier – Silver, Gold and Platinum – gives you:

  • Higher yields on crypto and fiat with our Earn suite.
  • Preferential borrowing rates for the Instant Crypto Credit Lines™.
  • Free crypto withdrawals.
  • Dividends! Nexo shares 30% of its profits with token holders in the form of dividends.

Read more about our Loyalty Program here.

What are Nexo Dividends and how can I benefit from them?

Nexo shares 30% of its profits in the form of dividends with NEXO Token Holders. So far, $9,449,627.26 has been distributed over three dividend payments - 2018, 2019, 2020.

To participate, NEXO Token Holders must:

Learn more about Nexo dividends by reading Nexo Dividends Explained.

Huobi Global is currently the largest exchange, where NEXO is available. A complete list of all exchanges where NEXO Tokens are traded can be found here.

For more detailed information, visit our help centre.

If I am using NEXO Tokens as collateral, will I still receive dividends on these tokens even if I haven’t repaid my loan?

Yes, you will receive dividends on all NEXO Tokens held in your Nexo account. It doesn’t matter if your tokens are in your Credit Line or Savings Wallet as long as they are in your Nexo account.

Find out more about Nexo dividends here.

How do I buy NEXO Tokens?

You can acquire NEXO Tokens in three ways: through the Nexo Exchange (recommended) or through the Changelly integration in your Nexo Wallet, or through a third-party exchange.

Buying NEXO Tokens via the Nexo Exchange:

This is the easiest and quickest way to buy NEXO Tokens without having to leave your Nexo Wallet especially if you already have crypto of stablecoins in your account.

Here are the steps:

  1. Log in to your Nexo account and add assets to your account.
  2. Go to the “Exchange” tab.
  3. Select the NEXO Token as the currency you want to purchase.
  4. Select the cryptocurrency, stablecoin or fiat currency you want to swap for NEXO Tokens.
  5. Tap “Exchange”.

Buying NEXO Tokens via Changelly:

If you don’t already have assets in your Nexo account, you can still purchase tokens without leaving the Nexo Wallet through our Changelly integration. Simply follow the detailed steps below:

  1. Open the Nexo platform or the Nexo Wallet App and click on “Buy NEXO Tokens”
  2. Click the “Buy/Sell” button
  3. Provide the amount and the type of cryptocurrency you want to exchange for NEXO Tokens
  4. Click the “Swap Now” button
  5. Provide the email address you want to use and enter your Changelly password. (If you do not have an account at Changelly, then an account will be created on your behalf, using the email address you provided. You will receive a confirmation email.)
  6. You will be redirected to the “Payment” screen where you will see the Transaction ID, exchange amount and your address.
  7. Click on the “Copy” button and then paste it in the “withdraw to” address field when creating the transaction using your private keys or Nexo Wallet.

You will receive an email confirming the transaction from Changelly to the email address you provided a couple of steps above. After the exchange process is completed, the NEXO Tokens will be automatically added to your Nexo Wallet.

Buying NEXO Tokens via an Exchange

Huobi Global is currently the largest exchange, where NEXO is available. A complete list of all exchanges where NEXO Tokens are traded can be found here.

Where do I need to hold NEXO Tokens in order to receive dividends?

Dividends are available to all NEXO Token holders. Regardless of how many tokens you own, you’ll receive dividends as long as they meet the following two conditions:

  1. You must pass our one-time Advanced Verification which takes less than two minutes.
  2. Your NEXO Tokens must be in your Nexo account (Credit Line or Savings Wallet) at the ex-dividend date.

For more detailed information, visit our help centre.

What is the smart contract address, token symbols and decimals?

Address: 0xb62132e35a6c13ee1ee0f84dc5d40bad8d815206

Symbol: NEXO

Decimals: 18


Read the latest news and important updates from Nexo.

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.

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.

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.

The idea of crypto lending is one of the most revolutionary things that happened because of the wide adoption and popularity of cryptocurrencies (...) 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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