Get a loan against your USD Coin.

Open a crypto-backed Credit Line using your USDC as collateral. Enjoy a flexible repayment schedule, tax-efficient borrowing*, and annual interest rates from 0.9%*.

USD Coin loan that supports your wealth growth.

Use your USD Coin holdings as collateral and access funds when you need them. Whether you're growing your portfolio or covering expenses, Nexo’s Credit Line gives you borrowing power without giving up your assets.

Borrow without selling your USDC

USD Coin (USDC) is one of the most trusted and widely used stablecoins in the crypto market. Fully backed by dollar-denominated assets and designed for price stability, USDC plays a key role in digital payments, trading, and decentralized finance. If you're holding USDC, you're already prioritizing stability — and you can access liquidity without moving your capital. With Nexo’s Crypto Credit Line, you can borrow against your USDC instantly, without selling your holdings. Whether you're covering short-term expenses, investing elsewhere, or simply looking to stay flexible, your USDC works as reliable collateral — giving you access to cash or other stablecoins where available. USDC maintains a consistent price of around $1 and is supported by a fully transparent reserve model. Its circulating supply is currently , with a total supply of , reflecting its broad utility and adoption across the crypto space. When your loan is repaid, you get back your original USDC — untouched and ready for your next move. Keep your capital stable and working. Borrow against your USDC with Nexo.

Why choose Nexo for your USD Coin loan.

Up to $2 million

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

Get your funds fast

Open a Credit Line with an automatic approval process — receive your funds on the same business day, or within 5 business days at the latest.

Tax-efficient borrowing*

Hold onto your digital assets while accessing liquidity and potentially avoiding the taxable events that come with selling.

Access funds your way

Send funds to your bank account or receive stablecoins directly in your Nexo account.

Flexible schedule

Repay your USD Coin loan at your own pace without worrying about rigid schedules.

Multiple repayment options

Choose to repay with fiat or crypto – including the digital assets you used as collateral for your USD Coin loan.

See how much you can borrow.

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

Desired loan amount

USD

Collateral required

USDC90% LTV

Borrow now

What you need to know about your USD Coin loan.

Understanding your LTV

Unlike traditional lenders that evaluate clients based on credit scores, Nexo uses your digital assets as collateral. The amount you can borrow is based on the Loan-to-Value (LTV) ratio, allowing you to borrow up to 90% of your collateral's value.

Receiving your loan

Access your funds on your terms. No credit checks or paperwork required. Once approved, your funds can be sent directly to your bank account in your preferred currency or as stablecoins in your Nexo account.

Repaying your credit line

With Nexo’s flexible repayment model, you can make partial or full loan repayments on your own schedule – with supported cryptocurrencies or stablecoins.

Unlocking bespoke services

Top up more than $100,000 to unlock access to a dedicated relationship manager, crypto loan at 0% annual interest, and custom terms and rates.

Borrow now

Add funds with Nexo fees waived for a limited time.

Fund your account through the payment method you're most comfortable with. No Nexo fees applied.

ACH

Add funds via Automated Clearing House (ACH) transfers.

Wire transfer

Deposit through a manual wire transfer, designed for larger amounts.

What clients say about Nexo.

I use Nexo since 2020 and it is my number 1 platform for crypto. Great service and availability in every issue and request that I ever had. I can only further recommend, especially worth mentioning is the top military security that it has and also the custodians behind Nexo that make me feel safer putting my investments in their hands. Keep up the good work !

I have been investing in Nexo 2017 and have used the platform since then without any issues. Borrowing is straightforward fast and easy, while the interest rates on savings are consistently attractive. Nexo provides an easy and secure way to manage crypto assets and earn passive income. I can highly recommend Nexo – the platform is user-friendly, reliable, and stands out with its transparent and innovative business model. A great company that clearly differentiates itself from the competition.

I've been using Nexo for some years now, and I'm thoroughly impressed with their service. The platform is user-friendly, making it easy for even beginners to navigate. The interest rates for borrowing and earning are competitive, and I appreciate the transparency in fees and terms. Plus, the security measures give me peace of mind knowing my assets are safe. Overall, Nexo is a reliable and efficient crypto lending platform that I highly recommend to anyone looking to leverage their crypto holdings.