Nexo

What Nexo does

Nexo is a digital assets wealth platform founded in 2018 and headquartered in Switzerland, operating across 199+ jurisdictions with $7+ billion in assets under management and $430+ billion in processed transactions. The platform serves retail investors, high-net-worth individuals and family offices, corporate treasuries, and institutional clients through an integrated suite of crypto-native financial products. Its core offerings include Flexible Savings and Fixed-term Savings products (up to 15-16% APY on stablecoins), an Exchange for 100+ digital assets, a Credit Line (from 1.9% APR), Zero-interest Credit (0% APR on BTC/ETH collateral), Futures perpetuals, and the Nexo Card (up to 2% crypto cashback). Business services include Corporate Accounts, Prime Brokerage, White Label solutions, a $150M Nexo Ventures fund, and a Payment Gateway.

The platform is built on multi-custodian infrastructure using Ledger Vault and Fireblocks, with SOC 2 Type 2 certification and ISO/IEC 27001:2013 accredited information security management. Nexo maintains a conservative risk profile with a 0.87 LTV-relative-to-liquidation-buffer score, operating at 55-70% lower leverage exposure than DeFi peers Compound (2.33) and Aave (3.00). A tiered loyalty program based on NEXO token holdings drives engagement, and the company has invested heavily in flagship sports sponsorships (Australian Open, DP World Tour, Audi F1, Argentine National Football Team) and regulatory infrastructure (New York BitLicense access via Bakkt, OCC-chartered Summit National Bank stake, ECB digital euro standards selection).

Name

Nexo

Legal name

Nexo

Website

https://nexo.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Nexo is a digital assets wealth platform serving retail, HNW, and institutional clients across 199+ jurisdictions with integrated crypto savings, exchange, credit, and card products on $7B+ in assets under management.

Ownership category

akta.pro rank

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others, Infrastructure

Revenue model

1. Crypto Lending Interest: Nexo generates revenue primarily by lending user deposited crypto assets to institutional borrowers at higher rates than paid to depositors. Interest rates vary by asset and loyalty tier, ranging from 1.9% APR for credit lines to up to 16% APY for stablecoin savings.
2. Exchange and Trading Fees: Platform generates fees from cryptocurrency exchange services with fixed price execution across 100+ supported digital assets.
3. Credit Line Origination: Revenue from crypto-backed credit line origination, with borrowers accessing liquidity from 1.9% interest rates.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Nexo is a centralized digital asset wealth platform that lets users buy, sell, and exchange 100+ cryptocurrencies, earn interest on crypto holdings through Flexible and Fixed-term Savings, borrow cash or stablecoins against crypto collateral via Credit Line and Zero-interest Credit, trade perpetual futures, and spend with the Nexo Card earning up to 2% cashback. The platform serves retail users, high-net-worth private clients, businesses through Corporate Accounts, and institutional investors through Prime Brokerage and White Label solutions.

Product overview

Nexo is a unified digital assets wealth platform offering a comprehensive suite of financial services. The platform integrates core products including crypto purchasing, trading (Exchange), interest-earning products (Flexible Savings, Fixed-term Savings), borrowing solutions (Credit Line, Zero-interest Credit), and a hybrid crypto card. The ecosystem is enhanced by loyalty tiers based on NEXO token holdings, a Private Clients program for high-net-worth individuals, and business solutions comprising Corporate Accounts, Prime Brokerage, White Label, Nexo Ventures investment fund, and Payment Gateway. Additional services include tax reporting via Koinly integration, educational resources through Wealth Academy, and referral/affiliate programs. The platform supports over 100 cryptocurrencies and operates across 199+ jurisdictions with $7+ billion in assets under management.

Differentiator

Problem solved

Functional benefit

Brands

• Nexo Card: Crypto-backed debit card offering up to 2% cashback, operating in both Credit and Debit modes.
• Nexo Private
• Nexo Ventures
• Nexo Exchange
• Nexo Prime Brokerage

Products and services

• Flexible Savings Interest-earning product with daily payouts and no lock-up periods, allowing users to earn up to 15% APY on digital assets (up to 16% on USDT, 14% on USDC, 9.5% on EURC, 7-8% on BTC/ETH/SOL). Requires a $5,000+ account balance. For retail and HNW crypto holders seeking daily liquidity and competitive yields.
• Fixed-term Savings Higher-yield savings product with terms of 1, 3, or 12 months offering improved rates (up to 15% annually on the longest terms) in exchange for committed holding periods. For users willing to lock up digital assets for higher returns.
• Dual Investment Structured product allowing users to earn high yield while simultaneously executing buy-low/sell-high strategies, generating returns from market volatility. For active crypto users seeking yield plus directional exposure.
• Exchange Integrated cryptocurrency exchange enabling users to swap over 100 digital assets with fixed price execution and real-time market analytics. For retail and institutional users seeking spot crypto trading.
• Credit Line Crypto-backed borrowing facility allowing users to borrow funds from 1.9% APR without selling their digital assets, with funds sent to a bank account or as stablecoins. No credit check required. Fixed and variable rate options. For users wanting liquidity without selling crypto.
• Zero-interest Credit Fixed-duration borrowing solution for Bitcoin and Ethereum holders offering 0% APR with zero fees and built-in liquidation protection during the loan term. For BTC/ETH holders wanting interest-free liquidity without liquidation risk.
• Futures Perpetual contracts trading platform enabling users to capitalize on both uptrends and downtrends in cryptocurrency markets. For active traders seeking leveraged directional exposure.
• Nexo Card Crypto-backed debit/credit hybrid card enabling users to spend while earning interest and receiving up to 2% crypto cashback on purchases. Operates in both Credit and Debit modes from a single card and works at 100M+ merchants globally via Visa/Mastercard/Apple Pay/Google Pay. For retail users wanting to spend without selling crypto.
• Buy Crypto Service enabling purchase of Bitcoin, Ethereum, and over 100 other digital assets via credit/debit card, bank transfer, Apple Pay, or Google Pay. Onramp for new users entering the platform.
• Private Clients (Nexo Private) Premium service tier for individual clients and family offices holding $100,000+ in digital assets, offering bespoke onboarding, a dedicated relationship manager, high-limit OTC trading, bespoke credit terms, and exclusive benefits. Client base grew 136% since 2025. For high-net-worth individuals and family offices.
• Corporate Accounts Institutional-grade custody, advanced OTC services, and 24/7 client care for businesses and family offices seeking digital asset treasury management. For corporates and family offices managing business digital asset portfolios.
• Prime Brokerage All-in-one solution for institutional investors providing comprehensive digital asset trading and custody infrastructure, including liquidity access and regulatory-compliant operations. For fund managers, family offices, and crypto-native institutions.
• White Label Customizable platform solutions allowing partners to brand and deploy Nexo's digital asset services under their own identity. For businesses looking to embed crypto services under their own brand.
• Nexo Ventures $150 million investment fund targeting early-stage projects in DeFi, metaverse infrastructure, NFTs, and compliance solutions. Strategic investment vehicle for crypto ecosystem growth.
• Payment Gateway Merchant-facing solution enabling clients to accept cryptocurrency payments, converting transactions to fiat or crypto settlement. For merchants and fintechs wanting to accept crypto from end customers.

Quantifiable outcome

• 136% increase in private client base since 2025, driven by HNW individual demand
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

13 partnerships are on record, tiered minor, major, flagship and core.

• Nexo Residences (real estate development)minorOthers · 13 May 202616-story mixed-use property development in North Miami Beach opening Q3 2026. Nexo branding on 254 residences and townhomes. Managed by AvantStay with amenities including coworking hub, rooftop observatory, resort-style pool, and fitness center.
• European Central Bank (Digital Euro)majorTechnology or Integration · 28 April 2026Nexo Standards selected by ECB alongside Berlin Group and ECPC to contribute ISO 20022 specifications and alias-based initiation frameworks for digital euro online payments. Partnership aims to create uniform digital euro payment experiences across the euro area.
• Argentine Football Association (AFA)flagshipGTM or Marketing Partner · 14 April 2026Nexo named Official Regional Digital Asset Partner of Argentina's national football team ahead of 2026 FIFA World Cup. Partnership includes global ticket giveaway campaigns, co-created content with Messi and squad members, and activations from May 2026 through tournament end. Builds on Buenbit acquisition and Buenos Aires regional hub.
• Mastercard Crypto Partner ProgrammajorTechnology or Integration · 11 March 2026Mastercard's global initiative uniting crypto-native companies, payment providers, and financial institutions for digital asset product development. Nexo joins program alongside Binance, Ripple, PayPal, and other major crypto firms to bridge on-chain innovation with established card rails and global commerce.
• BakktcoreTechnology or Integration · 16 February 2026Nexo re-entered the US market in February 2026 through partnership with Bakkt under its Bakkt Markets initiative. Nexo leverages Bakkt's US trading infrastructure, broad money transmitter license coverage, and New York BitLicense to provide compliant digital asset trading services. Bakkt provides the regulated, scalable trading infrastructure while Nexo offers its yield, exchange, credit line, and loyalty products.
• Audi F1 TeammajorGTM or Marketing Partner · 17 January 2026Multi-year partnership making Nexo Audi F1 Team's first official digital asset partner ahead of Audi's Formula 1 entry in 2026. Focuses on fan engagement and non-financial activations rather than direct investment, positioning both organizations around innovation.
• Dallas Open (ATP 500)majorGTM or Marketing Partner · 14 January 2026First-ever title partner of the US ATP 500 Dallas Open in multi-year agreement beginning 2026. Fourth tennis partnership and third ATP Tour collaboration. Event held February 7-15, 2026 at Ford Center at The Star in Frisco, Texas.
• Tennis AustraliaflagshipGTM or Marketing Partner · 17 December 2025Multi-year global partnership making Nexo the Official Crypto Partner of the Australian Open and Summer of Tennis series. First digital asset company to partner with a Grand Slam tournament. Includes branding presence across Rod Laver Arena, John Cain Arena, Margaret Court Arena, Kia Arena, and visibility at United Cup, Adelaide International, Brisbane International, and Hobart International.
• BuenbitcoreStrategic or Co-development Partner · 11 December 2025Acquisition of Argentine crypto platform Buenbit for Latin American expansion. Buenbit is CNV-registered with operations in Argentina and Peru, over 1 million registered customers, and has processed over $2 billion in volume since 2018. Buenos Aires serves as regional hub with plans to expand across LATAM.
• Trump International Golf LinksflagshipGTM or Marketing Partner · 20 August 2025Host venue for Nexo Championship on DP World Tour. Event returns August 20-23, 2026 as the tour's 2026 Closing Swing finale. Partnership includes rolling course-record prize fund starting at $10,000 per tournament.
• DP World TourflagshipGTM or Marketing Partner · 3 July 2025Three-year partnership through 2027, making Nexo the first digital assets company to partner with a major global golf tour. Includes title sponsorship of Nexo Championship at Trump International Golf Links, Scotland (August 2025 and 2026), and involvement in six tournaments during 2025 season.
• Hulett Bancorp / Summit National BankcoreStrategic or Co-development Partner · 27 September 2022Nexo acquired stake in Hulett Bancorp and its federally chartered Summit National Bank (Wyoming-based, regulated by OCC) to expand US financial sector presence. Partnership enables banking solutions including accounts, loans, and card products, bridging traditional finance and blockchain technology.
• 7RCC GlobalminorStrategic or Co-development PartnerCollaboration with 7RCC Global to serve institutional clients seeking sustainable investing options alongside Nexo's broader crypto services.

Scale indicators13 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• YouHodler: CeFi platform offering crypto savings, lending, and exchange services. Direct competitor in the European CeFi market with similar target customers.
• Crypto.com: Centralized crypto exchange with integrated lending, card, and staking products targeting retail users globally. Overlaps with Nexo on savings, exchange, card, and corporate services.
• BlockFi: Was the largest US-based CeFi crypto lender offering interest accounts and crypto-backed loans—Nexo's most direct comparable in product offering and target market, though BlockFi filed for bankruptcy in late 2022.
• Ledn: Bitcoin-focused CeFi lending and savings platform with retail and institutional offerings. Comparable to Nexo's lending products with a narrower crypto focus on BTC.
• Celsius Network: CeFi crypto lender offering interest-earning accounts and crypto-backed borrowing at scale. Direct comparable to Nexo's core lending products, though Celsius entered bankruptcy in 2022.

Broad incumbents

• Coinbase: Largest US-regulated crypto exchange with growing borrow/lending and card products. Represents the institutional-grade incumbent Nexo competes with for US customers via its Bakkt partnership.
• Binance: Largest global centralized exchange with integrated savings, lending, and card products. Represents the broadest incumbent competing across Nexo's full product suite.
• Kraken: Established centralized exchange offering staking, margin, and OTC services. Competes with Nexo on exchange and institutional services.

Emerging players

• Compound: Decentralized lending protocol offering algorithmic interest rates on crypto assets. Represents the DeFi alternative to Nexo's centralized lending offering.
• Aave: Leading decentralized lending protocol with on-chain crypto-backed borrowing and lending. Competes with Nexo on lending economics but in a non-custodial, decentralized architecture.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nexo
• YouTubeyoutube.com/Nexo
• Facebookfacebook.com/NexoFinance
• LinkedInlinkedin.com/company/nexofinance
• Instagraminstagram.com/Nexo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments26 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nexo