Nexo

Nexo, the premier wealth platform for digital assets, today released the findings of its Digital assets and the European lifestyle report – an analysis of how its clients across Europe spent in 2025.¹ European Nexo cardholders spend about €80 per transaction, twice the euro-area card average of about €38,² and what they pay for is familiar: a long lunch with a colleague, a wellness class after work, a weekend away booked before bed.

The Nexo Card was the first crypto card to combine credit and debit functions. Clients can borrow against their holdings instead of selling them³, or pay directly with crypto. It is available on the Mastercard network.

Extending this utility across European jurisdictions, the Nexo Card is now available in key overseas territories and autonomous regions in France (Réunion, Martinique, Guadeloupe, French Guiana, Mayotte, Saint-Martin), Spain (Canary Islands, Ceuta, Melilla), and Finland (Åland Islands).

"This expansion brings the Nexo Card directly to popular travel destinations across the extended European region,” said Yasen Yankov, Head of Product Management at Nexo. “What the data shows is a European consumer who spends on everyday categories, with higher ticket sizes. What sets this spending apart is how it is funded. We see digital asset wealth, made spendable by tools like the Nexo Card, becoming a new driver of consumption.”

What the data shows

Experiences count as much as goods: Nearly a third of all spending went on travel, eating out, and leisure, roughly as much as all other retail spending, groceries aside. Restaurants took 88.5% of food and drink spending.
Growth in the categories that fill a life: Compared with 2024, health and wellness spending grew 27%, travel 22%, and entertainment 22%.
The same life, funded two ways: Clients can pay straight from their crypto, and when they do, 72.7% of it goes through stablecoins, digital assets designed to maintain a stable value, though this is not guaranteed. Or they can borrow against holdings such as Bitcoin and Ether instead of selling them.

A new driver of consumption

Crypto ownership is expanding across major European economies: in early 2026, about one in five respondents in the Netherlands and one in six in Germany said they owned crypto-assets.⁴ In France, 53% of holders have already paid for something with crypto, most often with a card.⁴ What turns that wealth into spending is infrastructure. By allowing clients to use their assets without selling them, that infrastructure bridges the gap between stored wealth and active spending.

Travel is where this shows most clearly. It was the second-largest category on the Nexo Card in 2025, at 15.9% of volume, in a region that is the world’s leading leisure travel destination, taking about one third of global leisure travel spending.⁵

Technological innovation in the payments infrastructure on its own isn’t something people usually think about; it’s merely a background data point. A year of Nexo Card spending shows it at work: restaurants, travel, wellness and, for more than half of cardholders, the grocery shop. Crypto cards are becoming part of the way of life for Nexo cardholders in Europe. What sets this spending apart is how it is funded.

The full report is available at https://nexo.com/eea/research/nexo-card-report-2026.

About Nexo

Nexo is a premier digital assets wealth platform designed to empower clients to grow, manage, and preserve their crypto holdings. Our mission is to focus on customer success and deliver tailored solutions that build enduring value, supported by 24/7 client care.

Since 2018, Nexo has provided opportunities to forward-thinking clients in over 200 jurisdictions. With over $7 billion in client assets and over $490 billion processed, we bring lasting value to millions worldwide. Our all-in-one platform combines advanced technology with a client-first approach, offering flexible and fixed-term earning products, crypto-backed loans, sophisticated trading tools, and liquidity solutions, including the Nexo Card. Built on deep industry expertise, a sustainable business model, robust infrastructure, stringent security, and global licensing, Nexo champions innovation.

Media Contacts
Nexo Communications team
[email protected]

¹ About the data. Findings are based on anonymised, aggregated Nexo Card transaction data for 1 January to 31 December 2025 across the European Economic Area, unless stated otherwise. In credit mode, clients borrow against their crypto without selling it; in debit mode, digital assets are converted at the point of sale. Percentages are shares of spending or volume, as described in the report.

² ECB, payment statistics: the average euro-area card payment was around €38 in the first half of 2025 and around €39 in the second half (provisional data). ecb.europa.eu/press/stats/paysec

³ Crypto-backed loans carry risk. If the market value of your collateral falls, your digital assets may be sold to cover the loan.

⁴ Adan and Ipsos, 2026 Barometer on the adoption of crypto-assets in France and in Europe, April 2026. Online survey of more than 7,000 adults, 12 to 23 January 2026.

⁵WTTC, Economic Impact Research, press release 17 August 2026: Europe accounted for $2 trillion of $6.15 trillion in global leisure travel spending in 2025. wttc.org/news/europe-captures-one-third-global-leisure-travel-spending

Disclaimer:
Except for statements of historical fact, the information contained herein constitutes forward-looking statements, which are not guarantees of future performance and should not be relied on as they rely on uncertainties, which may lead to material differences from the expressed or implied statements. This material is not financial advice, and any investment decision you make is solely your responsibility. Nexo accepts no liability for the consequences of any actions taken on the basis of the information provided, including any damages suffered by the reader. Digital Assets are not money or legal tender, are not backed by the government or by a central bank, and most do not have any underlying assets, revenue stream, or another source of value. Nexo Accounts are not subject to any governmental insurance protection (including FDIC or SIPC), nor are they covered by any compensation scheme (including FSCS).
This document and the information contained herein are not intended for use by residents of the United Kingdom.