Nexo v5.20.0

Nexo v5.20.0 Nexo v5.20.0 is a crypto finance app for managing portfolios: borrow money using Bitcoin or other coins, and earn daily interest on your assets.

Nexo v5.20.0

If you manage a large cryptocurrency portfolio, you likely want a secure place to store your assets, tools to handle them properly, and a way to grow your holdings through interest. Nexo is designed for exactly that. It’s a crypto-focused financial institution with more than 500,000 clients worldwide, offering loans in 45+ fiat currencies as well as in Bitcoin, Ether, Litecoin, and other cryptocurrencies—plus daily interest on supported assets.

Key Features

Borrow money using your crypto

Have you ever looked at your Bitcoin (and other coins) and wondered what you could do beyond just holding? Nexo lets you use your cryptocurrency as collateral. Instead of selling your assets, you deposit them into Nexo and receive real funds in return—like placing a bet that unlocks spending power.

You can borrow fiat money such as dollars or euros, or use stablecoins like USDT and USDC.

Unlike many traditional banking options, Nexo’s borrowing approach is built around a lower interest rate model and you can repay through installments. The exact borrowing amount depends on the virtual assets you pledge.

Earn interest on cryptocurrencies

Cryptos aren’t only for market speculation—on Nexo, they can also help you earn. The platform includes an “Earn” feature where you deposit your coins and receive interest.

Typical annual rates on Nexo can be around:

• 8%–12% per year for stablecoins
• 4%–8% per year for assets like Bitcoin and Ethereum

Nexo automatically calculates daily interest and credits it to your account, so you don’t have to manage anything manually. There’s also no need to wait for a maturity date—you can withdraw when you want, without worrying about liquidity timing.

If you have a collection of coins but don’t know what to do with them, Nexo can help you turn “idle” holdings into an interest-bearing balance instead of leaving them inactive in your wallet.

Nexo debit card

Why ask what you can do with crypto when you could pay for everyday purchases? With the Nexo debit card, you can spend without first converting everything to cash.

How it works:

• Keep your crypto in Nexo.
• Use your card anywhere that accepts Visa or Mastercard.
• You’re effectively using spending power backed by your crypto holdings.

Nexo also rewards transactions with cashback. Rates can reach up to:

• 2% in Bitcoin (BTC)
• 0.5% in Nexo Token (NEXO)

Convert cryptocurrency

If you want to change your crypto into dollars or euros, the Exchange feature makes it easy. In just a few steps, you can trade between dozens of cryptocurrencies and fiat currencies.

Nexo supports many well-known assets such as Bitcoin, Ethereum, and others (including Litecoin and more), and you can also exchange crypto into USD or EUR if that’s what you need.

App Functions

BUY CRYPTO & EARN INTEREST

• Buy from a curated selection of digital assets and let them grow.
• Buy, sell, and swap 100+ digital assets, including BTC, ETH, SOL, LTC, ADA, XRP, AVAX, BNB, USDT, USDC, and more.
• Get crypto cashback on exchanges.
• Trade 100+ Futures contracts to take advantage of market moves in both directions.
• Earn annual interest while keeping assets available for trading.
• Receive daily payouts to your Savings Wallet with no lock-ups.
• Use Fixed-term Savings to boost interest growth.
• Apply Dual Investment strategies like Buy Low / Sell High for potentially higher yields.

BORROW FUNDS WITHOUT SELLING YOUR CRYPTO

• Use your portfolio as collateral and access liquidity through the Credit Line.
• Get same-day approval with no credit checks.
• Borrow starting from 2.9% annual interest.
• Repay at your own pace, with no fixed fee schedule.

SPEND ANYWHERE WITH THE NEXO CARD

• Switch smoothly between Credit and Debit modes.
• In Credit Mode, receive up to 2% crypto cashback on purchases.
• In Debit Mode, earn up to 14% annual interest on available funds.
• Use the card with 100+ million merchants.

GET MORE WITH THE LOYALTY PROGRAM

• Advance through Loyalty Tiers to earn more and borrow with lower costs.
• Unlock up to 2x higher earn rates and up to 2x lower borrow rates.
• Tier upgrades happen automatically by holding NEXO Tokens.
• Receive 1 free monthly withdrawal on the BTC and ETH networks.

CYBERSECURITY COMES FIRST

• Strong platform fundamentals support your digital assets.
• 256-bit encryption.
• Certified under ISO 27001:2013 and SOC 2 Type 2.