Why we are adjusting our Flexible and Fixed-term Savings offerings

Central banks are moving from tightening to easing, lowering global benchmark rates.

As funding costs fall, yields across all savings products naturally adjust.

Nexo regularly reviews its rates to ensure they remain fair, transparent, and in line with market reality.

These updates preserve long-term stability and sustainable growth for your digital assets.

After several years of elevated interest rates aimed at curbing inflation, global financial conditions are evolving. Central banks are now beginning to ease policy in response to a slowing global economy and more stable price dynamics.

The European Central Bank has already delivered several rate reductions this year, and the U.S. Federal Reserve has initiated its own cycle with a 0.25% cut. Even segments such as Bitcoin ETFs, which have defined much of 2025’s market dynamics, are seeing alternating inflows and outflows as investors recalibrate their exposure amid shifting macro conditions. These continuous adjustments underscore investors’ more selective and long-term-oriented sentiment.

This dynamic was also visible during the 2020–2022 easing cycle. As central banks lowered interest rates and expanded money supply to support economies through the pandemic, liquidity across financial markets increased sharply. With real yields turning negative, investors reallocated capital toward assets with finite supply and long-term potential. Bitcoin, in particular, benefited from this environment of abundant liquidity and low funding costs, reinforcing how broader monetary trends influence demand for digital assets.

Conversely, when the U.S. Federal Reserve began raising rates in 2022 to counter inflation, the tightening cycle led to higher funding costs globally — a shift that also prompted Nexo to adjust its rates upward in 2023, aligning yields with the higher interest-rate environment.

As benchmark interest rates decline, the broader cost of capital across economies adjusts. The return on risk-free assets falls, liquidity conditions improve, and the premium for deploying capital narrows. This natural progression affects the yield environment globally – from government bonds to savings products and other investment instruments. As funding becomes less constrained and borrowing costs moderate, risk-adjusted returns across markets are normalizing toward steady, long-term levels.

At Nexo, we regularly review and recalibrate our rates to ensure they reflect current market realities and remain aligned with industry best practices. This is standard across the financial sector: from banks to asset managers, all responsible institutions adjust their offered yields as funding costs evolve.

Our updated Flexible and Fixed-term Savings offerings reflect these overarching economic conditions. The returns we provide are generated through real economic activity – including crypto-backed loans with flexible terms, institutional OTC loans, trading, and white-label solutions – all of which are influenced by global funding costs. As these costs evolve, the yields from such activities also adjust. By aligning our Fixed and Flexible Savings rates with this current macroeconomic landscape, we ensure that returns remain consistent, transparent, and firmly grounded in sustainable market dynamics.

These adjustments are part of a broader commitment to long-term stability. As the financial environment transitions from capital scarcity to balanced liquidity, responsible platforms must evolve with it. Sustainable returns are not the result of chasing short-term yield but of managing capital prudently in a way that endures through economic cycles. As the digital assets industry matures, sustainability is emerging as the ultimate differentiator. By recalibrating our yields today, we ensure that your digital asset wealth grows safely and sustainably, well beyond the next market cycle.