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nexo io 2 is a CeFi platform that provides cryptocurrency savings accounts as well as cryptocurrency loans. Nexo offers low interest rates, borrowers can pick from a variety of crypto-collateralized fiat loans.

Ease of Use


No lockups

Daily payouts


In-app crypto exchange


APY could be higher

At least 10% NEXO token in portfolio

What is is the world’s finest, regulated digital assets institution, providing instant crypto loans, daily revenues on assets, and exchange, as well as being the first blockchain business to offer its services in 40+ fiat currencies and in over 200 countries.

How To Get Started With

  1. Create your account
  2. Transfer your assets or top-up via Credit Card
  3. Start earning up to 12%

The Cryptocurrency Interest Account

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

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.

Earn on Crypto is available for BTC, ETH, LTC, XRP, EOS, XLM, BCH, USDT, USDC, TUSD, DAI, USDP, LINK, TRX, PAXG, BNB, DOT, DOGE, ADA, SOL and NEXO, with more assets coming soon!

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If you choose to Earn in Nexo’s native token, interest rates rise by 2%.

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100% automated platform

 Deposit your assets, withdraw loans, and repay them on your own.

No fees

The interest rate is determined by your Loyalty Tier. When you pay the interest is entirely up to you. There are no additional costs. There are no nasty surprises.

High yield interest of up to 12%

Nexo provides its customers with an unmatched 12 percent annual return on stablecoins (such as USDT, USDC, TUSD, USDP, DAI) and fiat savings, as well as up to 8% on other cryptocurrencies such as BTC and ETH. Send your passive assets to Nexo and let them work for you without locking them up because Nexo allow you to withdraw them at any moment.


Nexo is protected by military-grade security. Nexo has partnered with BitGo, a world-renowned custodian, to secure all crypto assets. BitGo is backed by Goldman Sachs and adheres to the Cryptocurrency Security Standard Level 3 as well as SOC 2.

Insurance worth $375,000,000.00. Your assets are insured by insurers such as Lloyd’s of London and Arch and Marsh, and are guaranteed by our syndicate of custodial partners, which includes Ledger Vault and Bitgo. And this premium service is free of charge (details can be found here).

Capital gains tax optimization

Avoid paying capital gains taxes. When you take out a crypto loan and spend it, you avoid paying capital gains taxes, which are otherwise due when you sell your crypto in many countries.


A limited number of cryptocurrencies

Only a limited number of cryptocurrencies are available on

At least 10% NEXO token in portfolio

You will need to stake NEXO Tokens worth 10% of the total value of assets to be eligible for higher interest rates. In other words, you have to be in the Platinum tier of our Loyalty Program.

Nexo Bonus Offers

Nexo is currently giving the following promotion to new users. When you open a new account, complete advanced verification, and deposit at least $100 in any supported asset on the site, you will receive $10 in BTC. You must keep the minimum of $100 for at least 30 days.

Open an account here >>

Frequently Asked Questions (FAQ)

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