I’ve been in crypto for a few years now, and one platform that’s stuck with me through bull runs and dips is Nexo. It’s not just another exchange—it’s a full wealth platform where you can earn solid interest on your holdings or borrow cash without selling your assets. Think of it like a high-yield savings account meets a flexible credit line, all backed by your crypto.
Let me walk you through my experience, like a real-world case study of how I’ve used it to grow my portfolio without taking unnecessary risks.
How Nexo Works: The Basics That Hooked Me
At its core, Nexo lets you do two main things: earn interest and borrow money against your crypto.
I started simple—I deposited some Bitcoin and stablecoins into my Nexo account. No lockups needed for the flexible option, and interest started compounding daily right away. Back when I first tried it, I had about $6,000 in BTC, earning around 70 cents a day. Fast forward to late 2025, rates have adjusted with the market (BTC now around 5.5% flexible, up to higher with boosts), but it’s still one of the better yields out there—up to 14-16% on certain assets like stablecoins or fiat equivalents.
How do they pay that? Nexo lends out deposited assets to borrowers (overcollateralized, so it’s secure), charges them interest, and shares the profits with earners like me. It’s a smart cycle that keeps things running without you doing much.
Boosting Earnings: My Favorite Tricks
To max out yields, there are a few ways:
- Fixed-term savings for a bump (up to 15-16% on some).
- Earning in NEXO Tokens for extra percentage.
- Holding NEXO in your portfolio for loyalty perks—higher rates, lower borrow costs, even cashback on their card.
I’ve played around with these, and holding some NEXO has definitely paid off for better overall returns.
Borrowing Without Selling: The Real Game-Changer
This is where Nexo shines for me. Say you need cash for something—like upgrading gear or covering expenses—but you’re bullish on your crypto and don’t want to sell (and trigger taxes).
I open a credit line: Deposit crypto as collateral (e.g., for BTC, up to 50% LTV—borrow half the value), and instantly get fiat or stablecoins. Rates start as low as 2.9% (I’ve seen promos hitting 0% for short periods in 2025). No credit checks, flexible repayment.
One time, I borrowed to cover a big purchase while keeping my BTC intact. As prices rose, I paid it back easily. Pro tip: NEXO Token as collateral still earns interest—nice bonus.
The Nexo Card: Spending Crypto Everyday
Nexo’s dual-mode card (debit/credit switch) lets me spend my credit line or balances worldwide, earning up to 2% cashback in crypto. It’s seamless—no selling assets, just tap and go. Availability has expanded in 2025, though physical cards had a pause earlier.
Risks and Why I Diversify
Crypto lending isn’t risk-free. You’re trusting the platform with custody. Nexo partners with top custodians like Ledger Vault and Fireblocks, with strong insurance coverage and certifications (SOC 2/3, ISO standards). They’ve handled billions securely since 2018 and survived tough markets where others like Celsius and BlockFi didn’t.
That said, I never go all-in on one platform. I spread across a couple, just in case.
My Verdict After Years of Use
Nexo has been reliable for passive income and smart borrowing. Rates are competitive in 2025, the app is smooth, and features like the card make it practical for daily life.
If you’re curious, I recommend starting small. You can sign up on Nexo (that’s my referral—gets you a nice Bitcoin bonus after depositing), deposit some crypto, and watch the interest roll in daily. It’s how I got started, and it’s grown my holdings without much effort.
Always DYOR and only use what you can afford to risk. Crypto’s volatile, but tools like Nexo make it easier to HODL and thrive. What’s your experience with platforms like this?
