Loans are not required to sell.

The annual interest rate is 1.9%. Supports more than 100 portfolio mortgages, including BTC and ETH.

Immediate Loan
Registration is right.The Gold Level.- - - The maximum profit rate and the minimum loan interest rate of Nexo within 30 days.
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Operating time
Beginning in 2018
CeFi Loan Platform and Total Loan Number 3 Galaxy Research 2026 Q1
Asset Management Size
$70+ million
Operating time
Beginning in 2018
CeFi Loan Platform and Total Loan Number 3 Galaxy Research 2026 Q1
Asset Management Size
$70+ million

Credit Line is valid.

Once open, when returning, when required, when re-lean.

Flexible management of mortgage

Combining BTC, ETH and more than 100 support assets as mortgage and exchanging them at any time.

Accept in hours.

$50 to $2,000,000 is approved immediately, without credit review.

Unlocking tax loans

Hypothesis loans through digital assets, or avoid the tax incidents resulting from the sale of the assets.

Return in your way.

Part or full refund is available at any time – no fixed date, no minimum refund, supported cryptocurrency or stable currency refund.

Credit Line Customer Use Case

Consumption without selling money.

The customer pays monthly expenses through Credit Line – not selling assets, nor missing the opportunity to rise.

Loans and help to grow.

The customer, through Nexo Credit Line, uses cryptocurrency asset mortgage loans to promote business goals and open up new opportunities.

Check the amount of loans.

Know the amount of mortgage required to borrow the target amount.

USD
BitcoinBTC 50% LTV
Immediate Loan

Open Credit Line vs. Selling cryptocurrencies

Understand the core differences between selling digital assets and mortgage digital asset loans, as well as the effects of both on liquidity and long-term layout.

Cryptocurrency Hypothesis Loans Selling cryptocurrency.

Keep in holding, price rise is profit

Money can be sold without money.

Instant Loan, No Credit Review

Avoid the tax costs of selling currency.

Immediate Loan

Hypothesis assets.

Select more than 100 supported digital asset mortgage loans and view the loan value ratio (LTV) for each asset.

Nexo Loan Process

Understand the specific processes of cryptocurrency mortgage loans.

Explore the way cryptocurrency mortgage loans operate and the scenes of application. Know the mortgage, the loan value ratio and the flexible refund mechanisms – without the need to sell digital assets.

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Why do people apply for a Bitcoin loan?

Find out the real reasons behind Bitcoin mortgage loans.
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What is cryptocurrency loan, how does cryptocurrency loans work?

Understand the core points of mortgage cryptocurrency loans.

Is Bitcoin Loan a Wise Decision?

Explore the application scenario for Bitcoin mortgage loans.

Keep a Nexo Card and get Credit Line

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The consumption of cryptocurrencies can be returned, up to 2%
No need to sell digital assets.
The more the Nexo account is worth, the higher the amount of loans and the amount in consumption.
Learn more

Join Nexo Private to unlock a higher loan amount.

nexo private man sitting

Maximum to borrow $200 million

We have a high-quality credit and flexible customization of the refund plan according to financial objectives.

Zero-Rate Credit Solutions

Unlock the customized credit solutions for zero-year interest rates and optimize portfolio performance.

Priority of household service

Respect for exclusive customer management services and priority customer care services.
Learn more

Innovative power, worldwide reputation

Nexo’s digital wealth path continues to gain recognition by world-renowned industry agencies.

The Digital Banker Awards (Digital Banker Award)

Best PayTech for Digital CX, 2025 (Best Digital Customer Experience PayTech Award for 2025)

FinTech Breakthrough Awards (Financial Technology Breakthroughs)

Best Cryptocurrency Wallet, 2025 (Best Crypto Currency Wallets for 2025)

PAY360 Awards

Best Consumer Payments Programme, 2025 (Best Consumer payments program for 2025)

FAQ

How does Nexo’s Credit Line work?

Unlike traditional loans that require credit rating, Nexo offers cryptocurrency support for Credit Line, which uses digital assets as mortgage. Credit Line can be used immediately after charging. There are two types of loan receipt.

  • From a variety of currencies, select the receiving currency, and the funds are directly on to the account bank.
  • Get USDT or USDC to Nexo account.

If you want to activate the Credit Line, please follow Help Center Theme Articles Detailed steps of operation.

Can I borrow cryptocurrencies without credit review?

can be. Users borrow cryptocurrencies without credit review. When using Nexo Credit Line, cryptocurrencies are used as a mortgage, so it can be approved immediately as soon as the assets that are subject to the conditions are transferred to your Nexo account.

Does the loan need to pay taxes?

The loan is borrowed through cryptocurrencies, or the tax incidents that can be avoided by the sale of currencies. However, the tax laws differ, and we always recommend you consult a tax professional before you borrow. For more details please see.here。

What is LTV (Lending Value Rate)? What about the LTV upgrade?

The loan value ratio (LTV) shows the ratio of the loan amount to the cryptocurrency mortgage value. If the cryptocurrency market price falls, LTV will rise. When LTV reaches a certain currency, Nexo will automatically pay off some Credit Line using some mortgage, helping users maintain balance. For more details please see.Help the center.

Can I add, remove or exchange mortgage?

can be. Users can add cryptocurrencies to reduce the loan value ratio (LTV), remove some mortgage when the amount is healthy, or exchange assets through mortgages without having to close the Credit Line.

What is automatic refund?

When the value of the mortgage falls, some mortgages automatically discount debt, thereby reducing the debt saldo and keeping the credit line of the user stable. For more details please see.Help Center Theme Articles.

How to pay off Credit Line?

Users can pay back Credit Line at any time with cryptocurrency or stable currency. You only have to pay interest based on the number of days of use and the actual amount of the loan. After the refund, the loan amount will be automatically restored and users can re-extract money at any time. For more details please see.Help Center Theme Articles.

When can I get back the mortgage?

After the full payment of Credit Line, the mortgage will be available immediately. Users can extract mortgage assets, keep them in Nexo accounts, or continue to use them for subsequent loan requests.

Driving the next generation of wealth

Nexo is designed to define the next generation of wealth by blockchain power. Create an account immediately and start a journey of wealth.
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