加密货币 Credit Line,加速实现理想抱负

借款无需卖出数字资产,年利率 2.9% 起。

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充值 $100,000 或以上,尊享管家式财富解决方案
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运营时间
始于 2018 年
个性化客户关怀
全天候提供支持
资产管理规模
$110+ 亿

比贷款更佳

额度高达 $2 亿

一般客户每日借款额度最高 200 万美元,私人客户最高 2 亿美元。

资金 24 小时到账

开通 Credit Line,审批流程自动完成——无需信用记录,资金 24 小时内到账。

节税借款

持有资产的同时获取流动性,不会触发因卖出资产而产生的应税事件。

借入稳定币 & 其他加密货币

选择贷款到账银行账户,或以稳定币形式到账 Nexo 账户。

灵活的还款计划

按照自身节奏偿还 Credit Line,无需担心严格的还款计划。

多资产抵押品

将多种资产组合作为抵押品,根据需求灵活借款。

多种还款方式

选择法币还款或加密货币还款,用作 Credit Line 抵押品的数字资产也可用于还款。

跟随市场主力

借助 Nexo Booster,复制大型企业的投资策略。

将持有资产用作抵押品,获取高达 3 倍的数字资产。

用 Credit Line 进行消费,可随时还款。

数字资产持仓超 $100,000 的私人客户可享专属信贷解决方案。

最高可借 $2 亿

畅享高额度信贷,根据财务目标灵活定制还款方案。

零利率信贷解决方案

解锁零年利率的定制信贷解决方案,优化投资组合表现。

优先管家式服务

尊享专属客户经理服务与优先客户关怀服务。
预约通话

获取企业发展所需的流动性

创建 Nexo 企业账户,尊享灵活的 Credit Line、机构级托管、专业 OTC 服务、定制利率及全天候全方位客户关怀。
了解更多

查看借款额度。

了解借入目标金额所需的抵押品数量。

USD
Bitcoin Logo, Buy BTCBTC50% LTV
立即借款

抵押资产一览

100 多种支持的数字资产任您挑选,可同时抵押多种资产,每种资产均有其独立的贷款价值比 (LTV)。

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
查看全部

为什么选择 Crypto Credit Line?

Nexo Credit Line,尽享理性消费自由

购置理想房产,梦想成真。

借助 Nexo Booster,构建投资组合。

释放业务所需的流动性。

持 Nexo Card,尽享 Credit Line

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消费即享加密货币返现,最高可达 2%。
无需卖出数字资产即可消费。
Nexo 账户充值越多,借款额度和消费额度就越高。
了解更多

极致精准,简化加密货币税务

使用我们的合作伙伴 Koinly 提供的自动化税务报告功能,省时合规。

Generate Tax Report Nexo
导入您的 Nexo 交易记录到 Koinly。
计算资本收益、损失和收入。
生成符合当地税务法规的报告。
了解更多
LTV Ratio

保持 Credit Line 健康。

如果抵押品价值下跌,为保持贷款健康,您的储蓄将自动转入信用额度钱包。

常见问题

Nexo 的 Credit Line 如何运作?

与根据信用评分审批的传统贷款不同,Nexo 提供加密货币支持的 Credit Line,用您的数字资产作为抵押品。 充值后可立即使用 Credit Line。 您有两种贷款选项。

  • 从多种货币中选择,资金将直接划入您的银行账户。
  • 接收 USDT 或 USDC 至您的 Nexo account。

如要开始使用 Credit Line,请按照我们专门Help Center article 中的步骤操作。

多快能收到资金?

通过 Nexo 加密货币支持贷款,您最快可在当天或次日收到资金。 处理时间如下:

  • 本地转账:1 个工作日
  • 国际转账:3–5 个工作日
  • USDT 和 USDC:通常不超过 30 分钟

如果在偿还 Credit Line 之前,抵押品价值发生变化怎么办?

如果抵押品价值上涨,您的 Credit Line 额度也会随之提高。 用户可自由借入更多资金,也可保持当前 Credit Line 不变。 您也可以利用加密货币增值产生的额外价值,提前偿还部分信贷。

如果抵押资产价值下跌,贷款价值比 (LTV) 则会上升。 如果 LTV Ratio 超过 70% 并继续上升,您可能会收到 Margin Call(通过 Email 或推送通知)。

如果 LTV Ratio 达到临界阈值,为重新平衡贷款价值比,系统可能会触发 Partial Automatic Repayments。 为确保您尽可能保留数字资产,只会出售最低所需数量的加密货币。

如需了解更多贷款 Repayment 相关信息,请访问我们专门的 Help Center article.

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引领下一代财富

Nexo 专为区块链创富先锋打造。 立即创建账户,开启创富之旅。
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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.

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
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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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