Nexo is a leading digital assets wealth platform that offers an all-in-one ecosystem for earning interest, borrowing against crypto, and spending with a crypto-backed card. In 2026, Nexo remains a top choice for users seeking to maximize their crypto yields without long-term lockups.
Nexo Loyalty Tiers & Benefits
Your experience on Nexo is primarily defined by your Loyalty Tier, which is based on the percentage of NEXO Tokens in your total portfolio balance.
| Loyalty Tier | NEXO Token Ratio | Max Earn APY | Free Crypto Withdrawals |
|---|---|---|---|
| Platinum | ≥ 10% | Up to 16% | 5 per month |
| Gold | 5% – 10% | Up to 12% | 3 per month |
| Silver | 1% – 5% | Up to 10.25% | 2 per month |
| Base | < 1% | Up to 8% | 1 per month |
Trading Fees & Limits
Nexo offers two ways to trade: the standard Nexo Exchange (Swap) and the professional-grade Nexo Pro platform.
| Platform / Action | Fee Rate | Details |
|---|---|---|
| Nexo Exchange (Swap) | ~0.5% – 1% | Spread-based; zero explicit commission. |
| Nexo Pro (Spot) | 0.04% – 0.20% | Maker-taker model; tiered by 30-day volume. |
| Fiat Deposit (Card) | ~1.99% | Instant buy via Credit/Debit card. |
| Withdrawal (Fiat) | €0 / $0 | Free bank transfers (SEPA/FPS/Swift). |
Core Ecosystem Features
Nexo Earn
Earn daily payouts on 100+ assets. Flexible terms available, or opt for 1-12 month fixed terms for a +1% to +2% bonus.
Instant Crypto Credit Lines
Borrow cash or stablecoins against your crypto. Rates start at 0% APR for Platinum members with low LTV ratios.
Nexo Card
Dual-mode card for debit spending and crypto-backed credit. Up to 2% cashback on every purchase in Credit Mode.
APY Reward Estimator
Estimate your potential earnings on stablecoins based on your loyalty tier.
*Assumes stablecoin flexible terms with "Earn in NEXO" enabled (+2% bonus already included).
Security Note: Nexo maintains a $375M insurance policy and undergoes real-time audits of its custodial assets. Always enable 2FA and use the Nexo Authenticator for maximum account security.