Earn Crypto Interest

Similar to a conventional savings account, Nexo allows you to earn interest on your assets by lending them to retailers, businesses, and institutions.

However, the key difference is that we lend your funds only on an overcollateralized basis. We keep our rates stable over time because of Nexo’s risk policy to never lend without collateral. Your funds are backed no matter how the market moves, practically eliminating risk.

	NEXO	Others
Lending Based on The Balance Sheet	No	Yes
Оvercollateralized Lending Only	Yes	No
$375M Insurance	Yes	No

Note: Apart from lending your assets, Nexo might convert, pledge, re-pledge, hypothecate, rehypothecate, sell, or otherwise transfer, dispose of or use any amount of them, separately or together with other property, and for any period of time, and without retaining in our possession and/or control for delivery a like amount thereof or any other assets, at our sole and absolute discretion. Any such action will be performed in our name only and you will have no benefits and liabilities from it.

Signing up for a Nexo account takes less than a minute:

1. Open the Nexo platform or the Nexo app.
2. Complete your verification.
3. Buy or transfer crypto to your account.
4. You’re all set! You’re now earning daily interest on your digital assets.

Note: You’ll start earning interest the next day after your transfer. Keep in mind that assets used as collateral for our Instant Crypto Credit Lines™ will not earn interest.

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. The type of interest payout you choose:
   
   • 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 additional 2% interest on all your holdings.
3. The type of saving term: FLEX or Fixed. If you choose to create a 1-month Fixed Term on your crypto, you’ll earn an extra 1% interest.

Learn more about our interest rates here.

To receive 12% interest on your stablecoins, you have to:

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

Example:

Value of assets in your Nexo account: $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 app.
2. Click on the ‘Settings’ menu in the ‘My Profile’ section.
3. Activate the option to Earn in NEXO.

Note: Please be aware that the Nexo Earn Product, including Earn in NEXO, is not available for citizens or residents of certain jurisdictions, including where restrictions may apply, such as Bulgaria, Estonia, the States of New York, Kentucky, Arkansas, Texas, New Jersey, Alabama and Washington.

Nexo is raising the bar for the entire blockchain space by utilizing the most rigorous KYC and AML policies, impeccable risk assessment, data protection, and enhanced cybersecurity.

We keep your digital assets safe while you’re earning interest through our multifaceted approach to security, including:

• Military-grade 256-bit encryption for your Nexo account.
• Storage in Class III vaults through leading blockchain custodians, including BitGo, Ledger Vault, and others.
• $375M insurance from our custodial partners via Lloyd’s of London and Marsh & Arch.
• ISO/IEC 27001:2013 certificate guaranteeing Nexo’s security infrastructure is of the highest standard.
• 200–500% overcollateralized crypto credit lines. Nexo never issues credit on a non-collateralized basis, thus ensuring your funds are backed no matter how the market moves.

You can learn more about our security and insurance here.