CRYPTO CREDIT LINES

Get Funds.
Keep Your Crypto.

Borrow without selling your crypto with rates as low as 2.9%. Just top up and your credit line is immediately available.

Why Use Nexo's Credit Lines

Get as much or as little as you want, whenever you want with the most flexible crypto credit line out there.

Quick Approval

You are quickly approved and typically receive the funds within 24 hours.

Multiple Currencies

Select between EUR, USD, or GBP or borrow in stablecoins using USDT or USDC.

Backed by Multiple Assets

Borrow against not just one cryptocurrency, but your whole digital asset portfolio.

No Installments

Pay off your balance partially or fully when you want with no fixed payment schedule.

Seamless Repayment

Choose between stablecoins, crypto, or a combination of both to repay your credit line.

Linked to Your Nexo Card

Spend your credit line at over 100 million merchants with the Nexo Card.

$8B+ Issued in credit
since 2018

7M+ Nexo users
worldwide

80+ Currencies
to borrow against

200+ Available
jurisdictions

Borrow at Just 2.9% Interest

Join our Loyalty Program and get funds at low cost! Just enable our Low-Interest Borrowing feature to automatically keep your LTV ratio below 20% and enjoy our best rates.

Not a Conventional Loan. But a Smart Credit Line.

Crypto Credit Lines Conventional Loans
Opportunity to grow your portfolio
Lower interest rates
No origination fees
Tax-efficiency
Quick approval
No paperwork to fill
No monthly repayments
No impact on credit score

See How Much You Can Borrow

Enter the amount you’d like to borrow to find out how much collateral is required.

How to Get Started

It’s the best experience you’ve ever had with obtaining funds. All you have to do is:
Click on the "Top Up" button. Copy the top-up address and transfer the assets you wish to use as collateral.
Once you top up, you will be able to borrow immediately with no credit checks. Your available limit will be calculated depending on the value of your assets.
Withdraw your funds without any delays. You will be charged interest only on the amount you actually borrow.

Cover Your Daily Expenses

Thanks to its direct link to your credit line, the Nexo Card is great for quick spending on everyday purchases.
Learn More

Borrow Against 80+ Assets

A variety of digital assets can be used as collateral to back your Crypto Credit Line.

NEXO Token

NEXO

15% LTV

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Ethereum

ETH

50% LTV

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Bitcoin

BTC

50% LTV

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Pax Dollar

USDP

90% LTV

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DAI

DAI

90% LTV

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USD Coin

USDC

90% LTV

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USDT

USDT

90% LTV

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PAX Gold

PAXG

70% LTV

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NETH

NETH

50% LTV

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Optimism

OP

33% LTV

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Axie Infinity

AXS

33% LTV

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Polygon

MATIC

33% LTV

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Fantom

FTM

33% LTV

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THORChain

RUNE

33% LTV

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NEAR Protocol

NEAR

33% LTV

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Cosmos

ATOM

33% LTV

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Kusama

KSM

33% LTV

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Avalanche

AVAX

33% LTV

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dogwifhat

WIF

30% LTV

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FLOKI

FLOKI

30% LTV

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Render

RNDR

30% LTV

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Ether.fi

ETHFI

30% LTV

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Pepe

PEPE

30% LTV

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Internet Computer

ICP

30% LTV

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Toncoin

TON

30% LTV

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Pendle

PENDLE

30% LTV

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Shiba Inu

SHIB

30% LTV

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Wormhole

W

30% LTV

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Ethena

ENA

30% LTV

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ONDO

ONDO

30% LTV

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SEI

SEI

30% LTV

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SUI

SUI

30% LTV

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Injective

INJ

30% LTV

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The Graph

GRT

30% LTV

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Pancake Swap

CAKE

30% LTV

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Enjin Coin

ENJ

30% LTV

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Basic Attention Token

BAT

30% LTV

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Algorand

ALGO

30% LTV

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Hedera

HBAR

30% LTV

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Worldcoin

WLD

30% LTV

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yearn.finance

YFI

30% LTV

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Kyber Network

KNC

30% LTV

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Balancer

BAL

30% LTV

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Osmosis

OSMO

30% LTV

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Synthetix

SNX

30% LTV

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Convex Finance

CVX

30% LTV

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Compound

COMP

30% LTV

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STEPN

GMT

30% LTV

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Frax Share

FXS

30% LTV

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Ethereum Name Service

ENS

30% LTV

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1inch Network

1INCH

30% LTV

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Chiliz

CHZ

30% LTV

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Maker

MKR

30% LTV

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Lido DAO

LDO

30% LTV

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Curve DAO

CRV

30% LTV

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dYdX

DYDX

30% LTV

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SushiSwap

SUSHI

30% LTV

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The Sandbox

SAND

30% LTV

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Decentraland

MANA

30% LTV

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Uniswap

UNI

30% LTV

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Dogecoin

DOGE

30% LTV

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AAVE

AAVE

30% LTV

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Arbitrum

ARB

30% LTV

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Chainlink

LINK

30% LTV

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EOS

EOS

30% LTV

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Stellar

XLM

30% LTV

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Bitcoin Cash

BCH

30% LTV

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Litecoin

LTC

30% LTV

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GMX

GMX

30% LTV

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Cardano

ADA

30% LTV

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Celestia

TIA

30% LTV

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Solana

SOL

30% LTV

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BNB

BNB

30% LTV

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Polkadot

DOT

30% LTV

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XRP

XRP

30% LTV

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Gala

GALA

25% LTV

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ApeCoin

APE

25% LTV

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Aptos

APT

15% LTV

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Sweat Economy

SWEAT

10% LTV

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Terra

LUNA2

0.01% LTV

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TrueUSD

TUSD

0.01% LTV

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Huobi Token

HT

0.01% LTV

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Tron

TRX

0.01% LTV

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Get Stablecoins or FiatX Currencies

Stablecoins are quickly received to your Nexo account and FiatX currencies to your bank account take up to 1 business day

Supporting You Even Under Extreme Market Conditions

Nexo’s cutting-edge tools monitor your credit line health in real time and preserve the value of your collateral even in a market downturn.

Margin Calls

If your collateral starts to depreciate, our Nexo blockchain oracle will send you an email encouraging you to partially repay your crypto credit or add extra collateral.

Collateral Transfer

In case you don’t take any action, the blockchain oracle will automatically transfer assets from your Savings Wallet to your Credit Wallet to keep your credit line health in check.

Automatic Repayments

And if you don’t have assets in your Savings Wallet, the Nexo blockchain oracle will use portions of your collateral to initiate automatic credit repayments – just enough to fill the gap.

How to Best Utilize Your Credit Line

With a minimum of $50 and a maximum of $2M, Nexo is here to help you afford the necessities and luxuries you are thinking about.

Make a Major Purchase

Leverage your crypto and put the funds towards a major expense like renovating your home, buying a new car, or funding your education. Or why not spoil yourself and book that lavish trip you dream of?

Optimize Your Taxes

When using you borrow stablecoins using crypto as collateral, you may optimize your taxes as you’re not selling digital assets.

Buy More Crypto

By collateralizing your existing crypto, you can purchase a variety of digital assets and earn interest or trade them. You can even buy traditional assets like stocks, gold, or real estate.

Grow Your Business

Expand your company without giving up your crypto holdings. Cover operational expenses, pay employees on time, or take advantage of a favorable business opportunity.

FAQs

How do Nexo’s Crypto Credit Lines work?

How quickly do I get my funds?

What is the interest rate?

What is loan-to-value (LTV)?

What if the value of my collateral changes before I repay my credit line?

How does Nexo look after my collateral?

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Borrow Against Your Crypto from 2.9% Interest

Open your Nexo account right now and monetize your digital assets within minutes.

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