Don't sell your crypto, borrow against it.

Open a Credit Line from 1.9% per year and tailor the repayment.

Learn about the risks of borrowing.
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Trustpilot
Operating
since 2018
Ranked #2 CeFi lender in total loan volume
by Galaxy Research, Q2&Q3 2025
Assets under management
$7+ billion
Operating
since 2018
Ranked #2 CeFi lender in total loan volume
by Galaxy Research, Q2&Q3 2025
Assets under management
$7+ billion

A Credit Line designed to stay open.

Open once, repay anytime, and use it again whenever you need.

Keep your collateral flexible

Combine BTC, ETH, and other supported assets as collateral, then swap them anytime as the market evolves.

Unlock the value of your crypto

Access between $50 and $2 million in crypto with streamlined approval and no credit checks.

Borrow with potential tax advantages

Borrowing against crypto may avoid taxable events associated with selling. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. Not financial or tax advice.

Repay your way

Settle partially or fully whenever it suits you — with no fixed dates and no minimum installments, using crypto or stablecoins.

See how much you can borrow.

Find out how much collateral you would need to borrow your desired amount.

USD
Bitcoin logoBTC50% LTV
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The results shown are estimates based on the inputs provided and do not constitute an offer, commitment, or financial advice. Actual loan terms, collateral requirements, and applicable rates may vary. Credit Line is distributed in digital assets only, and the fiat currency equivalent is provided solely for reference.

Opening a Credit Line vs. selling your crypto.

Understand the key differences between selling your digital assets and borrowing against them, and how each approach affects liquidity and long-term positioning.

Learn about the risks of borrowing.
Borrow with your crypto as collateralSell your crypto

Stay invested and benefit if prices rise

Access funds without selling your crypto

Borrow with streamlined approval and no credit checks

You may avoid taxes that come with selling crypto

Tax treatment depends on the individual circumstances of each client and may be subject to change in future. Not financial or tax advice.
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See which assets you can use as collateral.

Pick from over 100 supported digital assets to borrow against and view their respective Loan-to-value (LTV) ratio.

Learn about the risks of borrowing.
Bitcoin logoBTCBitcoin
50% LTV
Ethereum logoETHEthereum
50% LTV
NEXO Token logoNEXONEXO Token
15% LTV
Tether logoUSDTTether
90% LTV
USD Coin logoUSDCUSD Coin
90% LTV
See all

How to borrow.

Borrow now

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

nexo card woman airplane window
Seamlessly switch between Debit and Credit Mode with just a tap.
Spend without selling your digital assets in Credit Mode.
Make purchases at over 100 million merchants worldwide.
Learn about the risks of Nexo Earn & Credit Line.
Learn more

Earn more from the crypto you hold with Nexo Savings.

Earn up to 15% per year

Grow your portfolio with Nexo’s high-interest Savings solutions.

Daily compound interest

Receive daily interest payouts with no lock-ups with Flexible Savings.

Better rates for longer periods

Access higher interest yield for set periods with Fixed-term Savings.
Learn about the risks of Nexo Earn.
Learn more

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. Here’s how it works:

  • Receive crypto and transfer it to your bank in your preferred currency.
  • Receive USDT or USDC to your Nexo account.

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

Can I open multiple Credit Lines?

No — you only have one Nexo Credit Line, which stays open and ready whenever you need it. You can use multiple assets as collateral, add more to boost your borrowing power, or repay and borrow again anytime.

Can I borrow crypto without a credit check?

Yes, you can borrow crypto without a credit check. With the Nexo Credit Line, your digital assets serve as collateral, so there is no requirement to go through a credit check.

Will I pay taxes if I borrow?

When you borrow against your crypto you may avoid the taxable events associated with selling it. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. Not financial or tax advice.

What is LTV, and what happens if it rises?

Your Loan-to-Value (LTV) ratio shows how much you’ve borrowed compared to the value of your crypto collateral.

If the market value of your crypto drops, your LTV rises. When it reaches a certain threshold, Nexo automatically repays part of your Credit Line using a portion of your collateral — helping you maintain balance.

Learn more in our Help Center article.

Can I add, remove, or swap collateral?

Yes, you can add more crypto to lower your LTV, remove part of your collateral when your line is healthy, or swap collateral to exchange assets without closing your Credit Line.

What is an automatic repayment?

When your collateral value drops, a portion of it automatically covers the owed amount, reducing your balance and keeping your Credit Line stable. Learn more in our dedicated Help Center article.

How do I repay my Credit Line?

You can repay your Credit Line anytime — in crypto or stablecoins. You only pay interest for the days you have an outstanding credit. Once you repay, your borrowing limit refreshes automatically, so you can draw funds again whenever you need them. Find more details in our dedicated Help Center article.

When do I get my collateral back?

Once your Credit Line is fully repaid, your collateral becomes available immediately. You can withdraw it, keep it in your Nexo account, or continue using it for future borrowing needs.

Driving the next generation of digital wealth.

Nexo is built for pioneers ready to leverage blockchain technology for digital wealth generation. Create your account today and get started.
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