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
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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.

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Keep your collateral flexible

Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.
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Get funds within hours

Receive between $50 and $2M with instant approval and no credit checks.
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Unlock tax-efficient borrowing

Borrowing against your crypto may avoid the taxable events associated with selling it.
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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 logoBTC50% LTV
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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 logoBTCBitcoin
50% LTV
Ethereum logoETHEthereum
50% LTV
NEXO Token logoNEXONEXO Token
15% LTV
XRP logoXRPXRP
30% LTV
BNB logoBNBBNB
30% LTV
See all

Borrowing with Nexo is simple.

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

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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.

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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.
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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.
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Utilize the entire Nexo ecosystem to actively grow your wealth.

Futures

Capitalize on uptrends and downtrends with perpetuals.

Dual Investment

Earn high yields while buying low and selling high.

Exchange

Swap over 100 digital assets seamlessly with a tap.