Accelerate your ambitions with a crypto Credit Line.

Borrow funds from 2.9% per year without selling your digital assets.

Sign up
Unlock white-glove wealth solutions when you add $100,000 or more.
Discover Nexo Private
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Operating
since 2018
Personalized
client care 24/7
Assets under management
$11+ billion

Better than a loan.

Up to $200 million

Access borrowing power of up to $2 million daily for individuals and up to $200 million for private clients.

Instant access to funds

Receive between $50 and $2 million with instant approval and no credit checks.

Tax-efficient borrowing

Hold onto your assets while accessing liquidity without triggering taxable events that come with selling.

Borrow stablecoins & other crypto currencies

Choose to receive your loan in your bank account or as stablecoins in your Nexo account.

Flexible schedule

Repay your Credit Line at your own pace without worrying about rigid schedules.

Multi-asset collateral

Stay flexible and borrow as much as you need by combining multiple assets as collateral.

Multiple repayment options

Choose to repay with fiat or crypto — including the digital assets you used as collateral for your Credit Line.

Play the moves of major market players.

Mirror the investment strategies of large corporations with the Nexo Booster.

Use your holdings as collateral to acquire up to 3x more digital assets.

The purchase is financed through a Credit Line you can repay anytime.

Exclusive credit solutions for private clients with over $100,000 in digital assets.

Borrow up to $200 million

Access high-limit credit with the freedom to customize repayment terms around your financial objectives.

Credit solutions with 0% interest

Unlock custom credit solutions with 0% annual interest to optimize your portfolio’s performance.

Prioritized white-glove service

Benefit from a dedicated relationship manager and prioritized client care.
Book a call

Access the liquidity your business needs to grow.

Create a Nexo corporate account to access a flexible Credit Line, institutional-grade custody, advanced OTC services, custom interest rates, and extensive 24/7 client care.
Learn more

See how much you can borrow.

Find out how much collateral you would need to borrow your desired amount.

USD
Bitcoin Logo, Buy BTCBTC50% LTV
Borrow now

See which assets you can use as collateral.

Choose from over 100 supported digital assets and use multiple at once, with each asset having its own loan-to-value (LTV) ratio.

Bitcoin Logo, Buy BTCBTCBitcoin
50% LTV
ETH Logo, Buy EthereumETHEthereum
50% LTV
Nexo Token Logo, Buy NEXONEXONEXO Token
15% LTV
Ripple Logo, Buy XRPXRPXRP
30% LTV
Binance Coin Logo, Buy BNBBNBBNB
30% LTV
See all

Why a crypto Credit Line?

Тhe Nexo Credit Line gives you the freedom to make purchases that make sense for you.

Make your dream real estate purchase a reality.

Build up your portfolio with the Nexo Booster.

Unlock liquidity for your business needs.

Make the most of your Credit Line with the Nexo Card.

A man holds a phone, activating a virtual card in front of a payment terminal
Get up to 2% crypto cashback on any purchase.
Spend without selling your digital assets.
The more you top up your Nexo account, the more you can borrow and spend.
Learn more

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting by our partners at Koinly.

Generate Tax Report Nexo
 Import your Nexo transaction history into Koinly.
Calculate capital gains, losses, and income.
Generate compliant reports tailored to your local tax regulations.
Learn more
LTV Ratio

Keep your Credit Line healthy.

If your collateral depreciates in value, your savings will be transferred automatically to your Credit Wallet to keep your loan healthy.

Frequently asked questions.

How does the Nexo Credit Line work?

Unlike traditional loans that consider your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up, you can immediately utilize your Credit Line. You have two options for your loan.

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

To start utilizing your Credit Line, follow the steps detailed in our dedicated Help Center article.

How quickly do I get my funds?

With the Nexo crypto-backed loans you will receive your funds on the same or the next day. The processing time is as follows:

  • Local transfers: 1 business day
  • International transfer: 3 to 5 business days
  • USDT and USDC: usually no longer than 30 minutes

What if the value of my collateral changes before I repay my Credit Line?

If your collateral's value increases, your Credit Line limit also goes up. You’re free to borrow more or leave your current Credit Line as is. You can also use the extra value of your crypto to pay off part of your credit.

If your collateralized assets decrease in value, your loan-to-value ratio (LTV) will rise. If your LTV ratio is above 70% and continues to increase further, you may receive a margin call (via email or push notification).

If your LTV reaches a critical threshold, partial automatic repayments may occur to rebalance the loan-to-value ratio. To make sure you retain as much of your digital assets as possible, only the minimally required amount of crypto will be sold.

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

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Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
Sign up

Don't sell your crypto, borrow against it.

Open a Credit Line from 2.9% per year and tailor the repayment.

Borrow now
Unlock white-glove wealth solutions when you add $100,000 or more.
Discover Nexo Private
borrow atf new mountain desktop
Operating
since 2018
Ranked #2 CeFi lender in total loan volume
by Galaxy Research, Q2&Q3 2025
Personalized
client care 24/7

A Credit Line designed to stay open.

Open once, repay anytime, and use it again whenever you need.

credit line usp 1 assets

Keep your collateral flexible

Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.
credit line usp 2 confirmation

Get funds within hours

Receive between $50 and $2M with instant approval and no credit checks.
credit line usp 3

Unlock tax-efficient borrowing

Borrowing against your crypto may avoid the taxable events associated with selling it.
credit line usp 4

Repay your way

Settle partially or fully whenever it suits you — with no fixed dates and no minimum installments, using crypto or stablecoins.

See how much you can borrow.

Find out how much collateral you would need to borrow your desired amount.

USD
Bitcoin Logo, Buy BTCBTC50% LTV
Borrow now

Opening a Credit Line vs. selling your crypto.

The amount of NEXO Tokens you hold against the rest of your portfolio puts you into one of four Loyalty Tiers. Reach Platinum to get the best benefits across our entire offering.

Borrow with your crypto as collateralSell your crypto

Stay invested and benefit if prices rise

Access funds without selling your crypto

Borrow instantly without credit checks

Avoid taxes that come with selling crypto

See which assets you can use as collateral.

Pick from over 100 supported digital assets to borrow against and view their respective Loan-to-value (LTV) ratio.

Bitcoin Logo, Buy BTCBTCBitcoin
50% LTV
ETH Logo, Buy EthereumETHEthereum
50% LTV
Nexo Token Logo, Buy NEXONEXONEXO Token
15% LTV
Ripple Logo, Buy XRPXRPXRP
30% LTV
Binance Coin Logo, Buy BNBBNBBNB
30% LTV
See all

Borrowing with Nexo is simple.

credit line explainer steps 1
credit line explainer steps 2
credit line explainer steps 3
PlayPause

Make the most of your Credit Line with the Nexo Card.

nexo card woman airplane window
Get up to 2% crypto cashback on any purchase.
Spend without selling your digital assets.
The more you top up your Nexo account, the more you can borrow and spend.
Learn more

Unlock even more borrowing power by joining Nexo Private.

nexo private man sitting

Borrow up to $200 million

Access high-limit credit with the freedom to customize repayment terms around your financial objectives.

Credit solutions with 0% interest

Unlock custom credit solutions with 0% annual interest to optimize your portfolio’s performance.

Prioritized white-glove service

Benefit from a dedicated relationship manager and prioritized client care.
Learn more

Frequently asked questions.

How does the Nexo Credit Line work?

Unlike traditional loans that consider your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up, you can immediately utilize your Credit Line. You have two options for your loan.

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

To start utilizing your Credit Line, follow the steps detailed in our dedicated Help Center article.

Can I open multiple Credit Lines?

No — you only have one Nexo Credit Line, which stays open and ready whenever you need it. You can use multiple assets as collateral, add more to boost your borrowing power, or repay and borrow again anytime.

Can I borrow crypto without a credit check?

Yes. You can borrow crypto without a credit check. With the Nexo Credit Line, your crypto acts as collateral, so approval is instant once you transfer eligible assets to your Nexo account.

Will I pay taxes if I borrow?

When you borrow against your crypto you may avoid the taxable events associated with selling it. However, tax laws vary, so we always recommend checking with a licensed tax professional before borrowing. Learn more here.

What is LTV, and what happens if it rises?

Your Loan-to-Value (LTV) ratio shows how much you’ve borrowed compared to the value of your crypto collateral.

If the market value of your crypto drops, your LTV rises. When it reaches a certain threshold, Nexo automatically repays part of your Credit Line using a portion of your collateral — helping you maintain balance.

Learn more in our Help Center article.

Can I add, remove, or swap collateral?

Yes, you can add more crypto to lower your LTV, remove part of your collateral when your line is healthy, or swap collateral to exchange assets without closing your Credit Line.

What is an automatic repayment?

When your collateral value drops, a portion of it automatically covers the owed amount, reducing your balance and keeping your Credit Line stable. Learn more in our dedicated Help Center article.

How do I repay my Credit Line?

You can repay your Credit Line anytime — in crypto or stablecoins. You only pay interest for the days you use your Credit Line and for the amount you’ve actually borrowed. Once you repay, your borrowing limit refreshes automatically, so you can draw funds again whenever you need them. Find more details in our dedicated Help Center article.

When do I get my collateral back?

Once your Credit Line is fully repaid, your collateral becomes available immediately. You can withdraw it, keep it in your Nexo account, or continue using it for future borrowing needs.
woman holding phone dashboard ui

Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
Sign up
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Nexo expands in Latin America with Buenbit acquisition.

Learn more