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 into your Savings Wallet.

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.

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 center.

To receive up to 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.

Example:

Value of assets in your Savings 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.

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 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 holdings.

You can calculate your daily interest as shown below:

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

Note: Your interest rate will change depending on the ratio of NEXO Tokens to other assets in your portfolio and whether you decide to earn interest in NEXO or in kind.

Learn more about our interest rates here.

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 center for more detailed information.

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.

Example:

Credit amount: $5,000

Value of collateral: $10,000

Loan-to-Value = ($5,000/$10,000)*100% = 50.0%

For exact LTV on each asset, visit our help center.

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.

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.

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.

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.

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.

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

• NEXO / BTC
• NEXO / ETH
• NEXO / USDT
• NEXO / USD
• NEXO / EUR
• NEXO / GBP

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.

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”

NEXO Token is our native token which brings token holders numerous benefits on the Nexo platform.

NEXO Token holders receive up to 12% interest per annum, paid out daily, on the NEXO Tokens held in both the Savings and Credit Line wallets of their Nexo accounts. Plus, holding NEXO Tokens automatically makes you a part of Nexo’s Loyalty Program which gives you:

• Higher yields on crypto and fiat with our Earn suite.
• Preferential borrowing rates for the Instant Crypto Credit Lines™.
• Free crypto withdrawals.

Read more about our Loyalty Program and the perks of our token here.

All Loyalty tiers receive a base rate of 7% interest for FLEX Terms while those benefiting from Nexo’s Fixed Terms for 3 or 12 months will receive 9% and 12% interest, respectively.

Read more about our Loyalty Program here.

Everyone, including clients in the US, will receive daily interest on our native token, paid out in NEXO Tokens.

The only exception are citizens or residents of the State of New York, and users subject to other limitations as may be applicable at times. More information on this topic is available in our terms and conditions.

You can acquire NEXO Tokens in three ways: through the Nexo Exchange (recommended), 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”.

Note: You can now also top up USD, GBP or EUR and swap them directly for NEXO with our NEXO/fiat pairs.

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.

Yes, all NEXO Tokens used as collateral will also earn interest. It doesn’t matter if your tokens are in your Credit Line or Savings Wallet as long as they are in your Nexo account.

Address: 0xb62132e35a6c13ee1ee0f84dc5d40bad8d815206

Symbol: NEXO

Decimals: 18