Patrimonio y confianza que resisten el paso del tiempo.

Nexo works with partners authorised under MiCAR — the EU regulation for crypto-assets — and supervised by BaFin, the German financial regulator. Tangany provides regulated custody; DLT Securities provides brokerage and trading infrastructure. Full partner and authorisation details are published at https://nexo.com/eea/mica-faq

Nexo works with partners authorised under MiCAR — the EU regulation for crypto-assets — and supervised by BaFin, the German financial regulator. Custody of digital assets for EEA clients is provided by Tangany, a BaFin-regulated custodian authorised under MiCAR. Brokerage and trading infrastructure is provided by DLT Securities, a BaFin-supervised investment firm. Client assets held in custody are separate from Nexo's own company assets, and are held under regulated custody — not as bank deposits, and not covered by a deposit-guarantee scheme.

Custody of digital assets for EEA clients is provided by Tangany GmbH, a Munich-based custodian regulated by BaFin and authorised under MiCAR for the custody, administration, and transfer of crypto-assets. Client assets held in custody are separate from Nexo's own company assets. Assets also benefit from account features such as multi-signature access controls, AES-256 encryption, biometric verification, and address whitelisting.

Nexo operates on a sustainable, utility-driven business model centred on interest rate spreads on its collateralized Credit Lines, transaction fees from its exchange and payment services, and market-neutral treasury strategies. Every dollar paid out in client yields is supported by sustainable, real-world revenue. The foundation is an automated risk-management engine designed to manage exposure to market volatility. When clients borrow against their digital assets, they must maintain strict collateralization ratios — funds lent out to generate interest are secured by more collateral than the loan itself. Nexo uses a proprietary, automated liquidation engine that maintains collateral values in real time across centralized and decentralized venues. If a borrower's collateral value falls below the required threshold, the system gradually liquidates only the necessary portion to preserve the stability of the loan. This design has been tested through major market cycles since Nexo's launch in 2018, including the 2022 digital asset market downturn.

The foundation of the business model is an automated risk-management engine designed to manage exposure to market volatility. When clients borrow against their digital assets, they must maintain strict collateralization ratios — funds lent out to generate interest are secured by more collateral than the loan itself. Nexo uses a proprietary, automated liquidation engine that maintains collateral values in real time across centralized and decentralized venues. If a borrower's collateral value falls below the required threshold, the system gradually liquidates only the necessary portion to preserve the stability of the loan. This design has been tested through major market cycles since Nexo's launch in 2018, including the 2022 digital asset market downturn.

Yes. Nexo has never restricted withdrawals since launching in 2018, including through the 2022 market downturn. While all assets in Flexible Yield can be withdrawn on demand; Fixed-term Yield follow the term you selected upon placing assets with this product.

Nexo holds ISO/IEC 27018:2019 certification, specifically for the handling of personal data in cloud environments, alongside ISO/IEC 27001:2022 and 27017:2015 for information and cloud security more broadly.

Nexo is a digital assets platform, not a bank, and does not take deposits. For EEA clients, custody of digital assets is provided by Tangany, a BaFin-regulated custodian authorised under MiCAR. Your assets are crypto-assets held by a regulated custodian — not bank deposits, and not covered by a deposit-guarantee scheme.