Accelerate your ambitions with a crypto Credit Line.

Borrow funds from 2.9% annual interest without selling your digital assets.

A businesswoman wearing sunglasses and a yellow polo blouse drives a convertible car

A mobile phone showing credit line screen from Nexo app

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Better than a loan.

Up to $200 million

Access borrowing power of up to $2 million daily for individuals and up to $200 million for private clients.

Receive funds in less than 24 hours

Open a Credit Line with an automatic approval process — get funds within 24 hours with no credit history required.

Tax-efficient borrowing

Hold onto your assets while accessing liquidity without triggering taxable events that come with selling.

Borrow stablecoins & other crypto currencies

Choose to receive your loan in your bank account or as stablecoins in your Nexo account.

Flexible schedule

Repay your Credit Line at your own pace without worrying about rigid schedules.

Multi-asset collateral

Stay flexible and borrow as much as you need by combining multiple assets as collateral.

Multiple repayment options

Choose to repay with fiat or crypto – including the digital assets you used as collateral for your Credit Line.

Play the moves of major market players.

Mirror the investment strategies of large corporations with the Nexo Booster.

Use your holdings as collateral to acquire up to 3x more digital assets.

The purchase is financed through a Credit Line you can repay anytime.

See which assets you can use as collateral.

Choose from over 100 supported digital assets and use multiple at once, with each asset having its own loan-to-value (LTV) ratioThe loan-to-value (LTV) ratio for each asset shows you how much you can borrow against it. If you hold $5,000 worth of an asset with a 50% LTV ratio, it means you can borrow up to $2,500 against it.

Solanasol

30% LTV

XRPxrp

30% LTV

NEXO Tokennexo

15% LTV

See all

Make the most of your Credit Line with the Nexo Card.

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Get up to 2% crypto cashback on any purchase.

Spend without selling your digital assets.

The more you top up your Nexo account, the more you can borrow and spend.

Learn more

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting by our partners at Koinly.

Import your Nexo transaction history into Koinly.

Calculate capital gains, losses, and income.

Generate compliant reports tailored to your local tax regulations.

Learn more

Automatic collateral transfer

Keep your Credit Line healthy.

If your collateral depreciates in value, your savings will be transferred automatically to your Credit Line Wallet to keep your loan healthy.

Frequently asked questions.

How does the Nexo Credit Line work?

Unlike traditional loans that consider your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up, you can immediately utilize your Credit Line. You have two options for your loan.

Choose from multiple currencies and receive the funds straight to your bank account.
Receive USDT or USDC to your Nexo account.

To start utilizing your Credit Line, follow the steps detailed in our dedicated Help Center article.

How quickly do I get my funds?

With the Nexo crypto-backed loans you will receive your funds on the same or the next day. The processing time is as follows:

Local transfers: 1 business day
International transfer: 3 to 5 business days
USDT and USDC: usually no longer than 30 minutes

What is the interest rate?

Your interest rate depends on your Loyalty Tier, which is determined by the ratio between the value of your NEXO Tokens against the rest of your portfolio, given your account balance is above $5,000 worth of digital assets:

Base: No NEXO Tokens are needed; interest on your outstanding Credit Line balance is 18.9%.
Silver: The ratio of the NEXO Tokens in your account against the rest of your portfolio must be at least 1%; interest on your outstanding Credit Line balance is 17.9%.
Gold: The ratio of the NEXO Tokens in your account against the rest of your portfolio must be at least 5%; interest on your outstanding Credit Line balance is 13.9% if your LTV is above 20% and 5.9% if your LTV is below or equal to 20%.
Platinum: The ratio of the NEXO Tokens in your account against the rest of your portfolio must be at least 10%; interest on your outstanding Credit Line balance is 10.9% if your LTV is above 20% and 2.9% if your LTV is below or equal to 20%.

If your account balance is below $5,000 worth of digital assets, your Credit Line interest rate is 18.9%.

To learn more about how our Loyalty Program works, visit our Help Center.

The Credit Line’s loan-to-value (LTV) ratio determines the amount of crypto collateral you need in order to take out a crypto credit. For the exact LTV of each digital asset, visit our Help Center.

What if the value of my collateral changes before I repay my Credit Line?

If your collateral's value increases, your Credit Line limit also goes up. You’re free to borrow more or leave your current Credit Line as is. You can also use the extra value of your crypto to pay off part of your credit.

If your collateralized assets decrease in value, your loan-to-value ratio (LTV) will rise. If your LTV ratio is above 70% and continues to increase further, you may receive a margin call (via email or push notification).

If your LTV reaches a critical threshold, partial automatic repayments may occur to rebalance the loan-to-value ratio. To make sure you retain as much of your digital assets as possible, only the minimally required amount of crypto will be sold.

To learn more about loan repayments, visit our dedicated Help Center article.