Centralized exchange
Nexo
23 products · 10 coins · updated 2 h ago · collected every 6 h
Platform risk tier
B· Medium risk · meets 3/5 criteriaSee why
Centralised crypto lending platform: Nexo lends out deposited assets, so depositors take on additional credit risk. Published rates are for the Platinum tier (≥10% of the portfolio in NEXO), and the portfolio must exceed USD 5,000 to earn interest. Only an auditor's reserve attestation, no Merkle.
- !Proof of reserves exists but is not published every month
- ✓Licensed by a major regulator: US (California DFPI)
- ✓Operating since 2018 (8 years)
- !No user protection fund disclosed
- ✓No recorded incident causing user losses on the exchange
- iNexo re-lends customer assets (claims loans are over-collateralised): depositors bear credit and counterparty risk in addition to custody risk.
- iThe ~USD 775 million insurance belongs to the custodians (Ledger Vault, BitGo…), covers only assets in their cold storage, and does not protect against Nexo insolvency or borrower default. The figure is outdated.
- iRates depend on membership tier (share of NEXO in the portfolio); taking interest in NEXO adds ~2%. APY Board shows only the published rate (top tier, paid in the deposited coin).
- iEU: no MiCA licence of its own yet; serves EEA customers through licensed partners.
Last reviewed 24/09/2026. Not investment advice.Facts and sources →
Click a column header to sort. Click a product name for its rate tiers, caps and withdrawal time.
23/23 products · How risk tiers work
| Conditions & limits | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BNB | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
| 30 days CEX · custodial | B· Medium risk | 5.00% | 4.50% | – | 4.76% | 4.53% | VIP required Locked 30 days High rate only for the first 6.7 BNB | ||||||
| BNB | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
| Flexible CEX · custodial | B· Medium risk | 4.00% | 3.50% | – | 3.76% | 3.53% | VIP required Withdrawal time: not published by the platform High rate only for the first 6.7 BNB | ||||||
| BTC | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
| 30 days CEX · custodial | B· Medium risk | 3.70% | 2.60% | – | 3.70% | 3.70% | VIP required Locked 30 days High rate only for the first 53 BTC | ||||||
| BTC | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
| Flexible CEX · custodial | B· Medium risk | 2.70% | 1.60% | – | 2.70% | 2.70% | VIP required Withdrawal time: not published by the platform High rate only for the first 53 BTC | ||||||
| DOGE | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 1.00% | 1.00% | – | 1.00% | 1.00% | VIP required Withdrawal time: not published by the platform | ||||||
| ETH | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
| 30 days CEX · custodial | B· Medium risk | 4.25% | 3.25% | – | 4.25% | 4.25% | VIP required Locked 30 days High rate only for the first 1.7k ETH | ||||||
| ETH | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
| Flexible CEX · custodial | B· Medium risk | 3.25% | 2.25% | – | 3.25% | 3.25% | VIP required Withdrawal time: not published by the platform High rate only for the first 1.7k ETH | ||||||
| EURC | Fixed-term Savings 365d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 365 days CEX · custodial | B· Medium risk | 8.00% | 8.00% | – | 8.00% | 8.00% | VIP required Locked 365 days | ||||||
| EURC | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | VIP required Locked 90 days | ||||||
| EURC | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 4.00% | 4.00% | – | 4.00% | 4.00% | VIP required Withdrawal time: not published by the platform | ||||||
| SOL | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 30 days CEX · custodial | B· Medium risk | 6.00% | 6.00% | – | 6.00% | 6.00% | VIP required Locked 30 days | ||||||
| SOL | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | VIP required Withdrawal time: not published by the platform | ||||||
| TRX | Fixed-term Savings 180d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 180 days CEX · custodial | B· Medium risk | 9.00% | 9.00% | – | 9.00% | 9.00% | VIP required Locked 180 days | ||||||
| TRX | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 7.00% | 7.00% | – | 7.00% | 7.00% | VIP required Locked 90 days | ||||||
| TRX | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 30 days CEX · custodial | B· Medium risk | 6.00% | 6.00% | – | 6.00% | 6.00% | VIP required Locked 30 days | ||||||
| TRX | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | VIP required Withdrawal time: not published by the platform | ||||||
| USDC | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 8.50% | 8.50% | – | 8.50% | 8.50% | VIP required Locked 90 days | ||||||
| USDC | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 6.50% | 6.50% | – | 6.50% | 6.50% | VIP required Withdrawal time: not published by the platform | ||||||
| USDT | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 9.50% | 9.50% | – | 9.50% | 9.50% | VIP required Locked 90 days | ||||||
| USDT | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 7.50% | 7.50% | – | 7.50% | 7.50% | VIP required Withdrawal time: not published by the platform | ||||||
| XRP | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)
| 90 days CEX · custodial | B· Medium risk | 6.25% | 4.00% | – | 6.25% | 6.25% | VIP required Locked 90 days High rate only for the first 7.5M XRP | ||||||
| XRP | Fixed-term Savings 30d (Platinum tier: ≥10% of portfolio in NEXO)
| 30 days CEX · custodial | B· Medium risk | 5.25% | 3.00% | – | 5.25% | 5.25% | VIP required Locked 30 days High rate only for the first 7.5M XRP | ||||||
| XRP | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
| Flexible CEX · custodial | B· Medium risk | 4.25% | 2.00% | – | 4.25% | 4.25% | VIP required Withdrawal time: not published by the platform High rate only for the first 7.5M XRP |