ขอสินเชื่อโดยมี BNB ค้ำประกัน

Unlike traditional loans that take into account your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you add BNB to your portfolio, you can immediately access your Credit Line. You have two options to receive your loan.

• Choose from multiple currencies and receive the funds directly to your bank account.
• Receive USDT or USDC to your Nexo account.

To learn more about Nexo’s crypto loans, visit our Help Center article

The amount you can borrow against your BNB is determined by the Loan-to-Value (LTV) ratio. For example, with $50,000 in collateral and BNB's LTV of 30%, you can borrow $25,000 in digital assets.

The maximum amount you can borrow is $2,000,000 per day, while the minimum borrow amount is $50 in stablecoins (USDT, USDC) or $500 via bank transfer.

To learn more about the Loan-to-Value ratio, visit our dedicated Help Center article.

The availability and processing time of your BNB loan depend on the transfer method and type of currency you select.

• Local transfers: Typically processed within 1 business day.
• International transfers: Usually take 3 to 5 business days.
• USDT and USDC transfers: Generally completed within minutes.

Your Loan-to-Value (LTV) changes as the market value of your collateral goes up or down.

If your collateral's value rises, your Credit Line limit increases accordingly. You can choose to borrow more, keep your current Credit Line unchanged, or use the additional value of your BNB to repay part of your credit.

If your collateralized assets decrease in value, your LTV will rise, meaning you may need to add more collateral or make a repayment to avoid automatic loan repayments. If your LTV reaches the 83.33% mark, partial automatic repayments may occur to rebalance the LTV ratio.

To learn more about loan repayments, visit our dedicated Help Center article.

Keeping an eye on your account during market fluctuations is important. If the value of your collateral drops significantly, its Loan-to-Value (LTV) will rise, increasing the risk of automatic loan repayment.

To avoid this, you can proactively add more collateral to your Nexo account or make partial or full loan repayments.

Nexo’s advanced algorithm monitors your crypto-backed loan 24/7, ensuring your Credit Line remains in good standing and taking action when needed. If your LTV ratio is above 70% and continues to increase further, you may receive a margin call via email or push notification asking you to top up additional crypto assets or repay part of your loan to prevent automatic loan repayment.

If your LTV hits a critical threshold, partial automatic repayments may be triggered to restore the balance of your LTV ratio. To help you preserve as much of your digital assets as possible, only the minimum required amount of crypto will be sold.

To learn more about loan repayments, visit our dedicated Help Center article.