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Nexo is built around USD funding, your choice between Flexible and Fixed-term Yield, and 24/7 client care.
Rates for the seven days to October 23, 2026. Aave rates move continuously, so we show its seven-day average for the Ethereum Core market. Nexo’s rates were unchanged over the same period.
| Nexo | Aave | |
|---|---|---|
How rates are set | Set by Nexo, shown before you commit. Fixed-term Yield locks your rate for the full term, while Flexible Yield rates can change. | Variable rates set by each pool’s use and by Aave governance, visible onchain. No option to lock one in. Source |
Interest on stablecoins | 5% per year on USDC/USDT without a Wealth Club tierUp to 12.5% per year at the Signature tier, with a 3-month term and interest received in NEXO Tokens. | 3.97% per year on USDC (seven-day average, Ethereum Core market).Source |
Interest on BTC and ETH | 1.2% on BTC and 2% on ETH per year without a Wealth Club tierUp to 7% on BTC and 8% on ETH at the Signature tier, with a 1-month term and interest received in NEXO Tokens. | |
Interest on other assets | Up to 16% per year on DOT (Signature tier, 6-month term, interest in NEXO Tokens), 8% without a Wealth Club tier.
Up to 9.5% per year on XRP (Signature tier, 3-month term, interest in NEXO Tokens), 2.5% without a Wealth Club tier.
Up to 9% per year on SOL (Signature tier, 1-month term, interest in NEXO Tokens), 3.5% without a Wealth Club tier. | |
Interest payouts | Paid out daily with Flexible Yield, or in a single payout at the end of the term with Fixed-term Yield. | Accrues continuously and is added to your balance in real time. Source |
Access to funds | Anytime with Flexible Yield, subject to terms and market or operational conditions.With Fixed-term Yield your funds will become available at the end of the selected term. | Depends on pool liquidity. When a pool is fully borrowed, withdrawals wait for repayments or new supply. After the rsETH exploit on April 18, 2026, Aave’s ETH pool stayed above 99% utilization for about 13 days. Sources: Aave FAQ, Aave incident report, Galaxy Research |
Minimum balance | $5,000 account balance to start accruing interest. | No minimum. Network fees apply to each transaction and are typically highest on Ethereum. Source |
Where your assets are held | With Bakkt, a publicly listed U.S. company. You take on counterparty and platform risk: if a provider is disrupted or becomes insolvent, you could face delays or lose some or all of your assets. | In Aave smart contracts, with access controlled by your own wallet. You take on smart-contract, oracle, and network risk. Source |
Rate boosts | Higher Wealth Club tiers unlock higher rates. Tiers depend on your NEXO Token holdings, and the token’s price is volatile. Up to 2% extra at the Elite and Signature tiers when you receive interest in NEXO Tokens (0.5% at Classic, 1% at Premier, none without a tier). | Incentive programs on select pools. Source |
Reach Nexo’s Client Care team 24/7, whether you need help with a transfer or getting back into your account. Aave’s Help Center offers guides and a contact form run by Aave Labs, alongside community channels like Discord¹.
Add USD by ACH or wire, opt in to Yield, and start accruing interest once your balance passes $5,000. Supplying directly to the Aave protocol takes crypto, a self-custody wallet, and the network’s token for gas fees².
Buy crypto, accrue interest, swap on the Exchange, and borrow against your assets, all from one Nexo account. The Aave protocol focuses on lending and borrowing, so buying crypto and tax reporting happen in separate wallets and apps³.
Move up a Wealth Club tier to unlock higher interest rates. Tiers depend on how many NEXO Tokens you hold, and the price of the NEXO Token is volatile. With Wealth Club Milestones, you can choose to boost your interest rates even further the longer you stay. Aave offers incentive programs on select pools⁴.
