Get a loan against your Tether.

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

Tether loan that supports your wealth growth.

Use your Tether 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.

Tap into liquidity without selling your USDT

USDT (Tether) is one of the most widely used stablecoins in the world, pegged 1:1 to the US dollar and designed to offer stability in the often-volatile crypto markets. If you're holding USDT, it's likely you're using it as a safe harbor for capital or as a way to stay liquid for new opportunities. But instead of swapping or withdrawing your stablecoins, why not keep them working for you? With Nexo’s Crypto Credit Line, you can use your USDT as collateral and instantly borrow cash or stablecoins — where available — without selling a single token. Whether you’re looking to cover expenses, reinvest in the market, or access liquidity while staying fully exposed to your crypto, using USDT as collateral makes the process simple and predictable. Because USDT maintains a stable price close to $1, your loan-to-value (LTV) ratio remains steady, minimizing the risk of unexpected margin calls. This makes it an ideal asset for borrowing, especially if you prefer a low-volatility collateral option. Once you repay your loan, you get your USDT back — just as you left it. Access your capital without compromise. Borrow against your USDT with Nexo today.

Why choose Nexo for your Tether 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 Tether 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 Tether 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

USDT90% LTV

Borrow now

What you need to know about your Tether 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.