2025: Focusing on growth, loyalty, and responsibility

The digital asset industry experienced a significant transformation in 2024, through two waves of growth: the approval of Bitcoin spot exchange-traded funds (ETFs) in January and the post-U.S. election surge in November. With this momentum, Nexo evolved too.

2024 marked the start of a truly unique journey for us — carving an entirely new segment in digital finance to cater to the needs of those seeking to build long-term wealth in it. It is forward-looking people like you, who are currently reading this, that are the driving force behind the establishment of digital assets as an asset class: because you saw the opportunity and took action.

With over $11 billion in assets under management, we have helped grow the wealth of countless individuals and institututions over the past seven years and we continue with an even more sophisticated approach. We’ve made significant progress and in 2024 alone, we distributed over $250 million in interest to NEXO Token holders, reflecting our unwavering commitment to building your advantage against the others.

After a strong 2024, this year will be our biggest yet, with an ambitious lineup of initiatives to redefine industry standards and push the boundaries of digital asset wealth forward.

Adapting to industry evolution: strategic enhancements for 2025

At Nexo, we provide you with tools and opportunities to grow your wealth. To continue delivering exceptional value, we are introducing updates to how you access perks, earn passive income, and engage with our services. Here’s what’s getting an update and why.

Balance recommendation for optimal Nexo experience: Maintaining a certain balance will ensure the most favorable Nexo Loyalty Program terms, Flexible and Fixed-term savings, and exclusive bonuses. While this isn’t a requirement, it ensures you get the most comprehensive Nexo features and terms, as well as priority client care.

Why? The rapid maturing and sophistication in the crypto ecosystem attract equally mature and sophisticated investors. They are independent, and forward-thinking, and demand advanced tools, enhanced security, and elevated service levels. By proactively adapting to these shifts, the Nexo platform demonstrates foresight and adaptability. We are not only in a position to meet investor expectations but also to lead this transformation by offering comprehensive, world-class solutions and priority client care.

Savings updates: We are updating the passive income flow on Flexible and Fixed-term savings by introducing a simple confirmation step in the Savings Hub and Savings settings. Through a few clicks, clients can verify that they remain engaged in Nexo’s earning opportunities. The new flow gives you greater control over the feature.

Why? Exercising control over your portfolio is the cornerstone of long-term success—it allows you to make informed decisions, adapt to changing market conditions, and align your strategy with your personal goals.

Updated fee structure for certain services: As our infrastructure advances, we continuously optimize the administration costs for digital asset and other services. After our latest review, we are updating our Fee schedule. Instant swap updates are effective immediately, while other service fees will take effect on February 22, 2025.
- Why? As our top-tier infrastructure advances and we improve on- and off-ramps, we continuously optimize the costs of moving and managing your digital assets. To sustain the quality and innovation you expect, we’re updating the fee structure for some products. This ensures we remain transparent while delivering the premium experience you deserve.

These adjustments align with Nexo’s broader strategic evolution and complement our recently outlined 2025 Growth plan, which charts the next phase of our platform’s evolution. This strategic direction enables us to invest further in the platform’s infrastructure, technology, and security—ensuring an unparalleled client experience.

Why a $5,000 minimum balance?

Core to our commitment are elevated, industry-leading services that set us apart: top-rated priority client care, dedicated native-speaking account managers, award-winning innovations like tax-efficient crypto credit lines, the dual-mode Nexo Mastercard, and personalized USD, EUR, and GBP accounts tailored to the needs of both individuals and businesses – offerings only Nexo provides. Inspired by established practices in traditional finance, where private wealth often involves significant investment thresholds, our $5,000 minimum reflects Nexo’s commitment to a higher standard of service. Let’s look at some examples:

Goldman Sachs: Requires $2-5 million in investable assets for private wealth management.
Fidelity: Demands $2-10 million for private wealth management programs.
Barclays: Requires a £3-5 million minimum for private banking services.
UBS: Starts with $5,000 for basic entry-level programs but rises to $10 million for comprehensive services.
Citi Group: Mandates a $10 million minimum.

In comparison, Nexo’s $5,000 balance recommendation is designed to be accessible while still ensuring that we can deliver an elevated level of sophisticated service to our valued clients.

The state of the digital assets industry

Although Nexo’s $100,000 Bitcoin prediction grabbed the headlines, none of the seasoned participants in the crypto sector were surprised, given the continuous adoption. For many of us, it’s always been a matter of time, as predicted by our co-founder. The signs have been clear—the growing enthusiasm, the metrics pointing to sustained growth. We are fortunate to witness this transformative moment in history.

Moreover, Bitcoin is reshaping perceptions of value. As $84 trillion in assets changes hands over the next two decades, Bitcoin’s dual role as a store of value and a bridge for intergenerational wealth transfer becomes evident.

As social and economic developments unfold, and we map out what the macroeconomic environment could imply for 2025 crypto portfolios, the digital asset industry is making its mark. This year’s momentum is driven by growing institutional adoption through ETFs, clearer regulatory frameworks across the globe, and the expansion of use cases. As the market matures, consolidation through mergers, acquisitions, and partnerships fosters scalability and institutional-grade services. For more insights into industry trends and our strategic direction, you may find value in reviewing our weekly market newsletter Dispatch and company insights.

All in all, the industry is moving towards a more mature and risk-averse environment. This maturing attracts more and more sophisticated investors and as the premier digital assets wealth platform we constantly expand our product suite, world-class platform infrastructure, and 24/7 client care to adapt to these shifts. The above shifts require a proactive approach and strategic updates to meet the diverse needs of our clients.

A commitment to loyalty and responsibility

Our platform operates on a foundation of loyalty through the NEXO Loyalty program, where we instill a sense of responsibility at every level: Base, Silver, Gold, and Platinum. This approach is not just a strategy; it’s a core principle of our operations. We believe in a responsible and predictable business model—one that invites our clients to participate actively and invest in the growth of their portfolios.

Throughout the years, we have demonstrated the power of our guiding principles of sustainability and innovation, as well as the value of being there for clients — as we always are — in both good times and bad times. The result was continued growth broadly across the company, visible in our company and financial data on Nexo’s security page and our ambitious Growth plan for 2025.

We are confident this step will be a positive one for the NEXO Token and our community as more vested individuals will contribute to the company’s growth.

Looking ahead

As Bitcoin consolidates the $100,000 milestone it's easy to see how crypto enters a new phase and with the right digital asset solutions and fully functional onramps, the path becomes clearer, and the opportunities grow larger.

2024 marked the start of a truly unique journey for us — carving an entirely new segment in digital finance to cater to the needs of those seeking to build long-term wealth in it.

With a robust business model and bespoke offerings, Nexo has earned the trust of both retail and institutional investors across more than 150 jurisdictions. Its impressive track record – over $320 billion in processed transactions, $8 billion in crypto credit issued, and $1 billion in interest paid out – cements its new direction: shaping the next generation of wealth.

Our goal for 2025 is to position us—and by extension you—for continued success in a dynamic industry landscape. We remain steadfast in our mission to support your journey.