Verified against nexo.com on 6 Sep 2026. Rate tiers and several terms are not fully published; confirm in-app before borrowing.
How Nexo's Bitcoin loan works
Nexo is an established custodial platform offering an open-ended, revolving credit line rather than a fixed-term loan. You pledge native bitcoin (among other assets) and draw funds up to 50% of its value, repaying on your own schedule with no fixed maturity. The standout features are flexibility and a very low $50 minimum, with credit lines up to $2 million (and far higher for Private Clients).
Rates & fees
Pricing is tiered by your Nexo loyalty level (driven by the share of NEXO tokens you hold) and your LTV. The advertised floor is 1.9%/yr for the top Platinum tier (10%+ of portfolio in NEXO), stepping up through Gold (~13.9%) and Silver (~17.9%) to the Base tier around 18.9% for borrowers holding no NEXO tokens — figures compiled from third-party trackers and Nexo's loyalty-program materials, since Nexo's own public site doesn't publish this table directly. There is no origination or early-repayment fee; other fees aren't fully published.
LTV & liquidation
Maximum initial LTV is 50%. Nexo frames its safety mechanism as automatic repayment from collateral as LTV rises, with liquidation around 83.3% and a margin call in the ~70% region. As with any lender, borrow well below the max to keep a buffer; you can model the prices with the liquidation calculator.
Custody & safety — why we rate Nexo Medium relative risk
Source: Nexo real-time Armanino reserves attestation ↗
Nexo holds collateral custodially through third parties such as Ledger Vault, Fireblocks, and BitGo. The reason we land on Medium rather than LOW is transparency: Nexo does not clearly state on its public site whether collateral is rehypothecated or segregated per client, nor does it publish the full rate-tier grid, ceiling, or fee schedule. None of that means Nexo is unsafe — it's a large, widely used platform — but unanswered questions on rehypothecation and pricing are exactly the factors our risk methodology weighs. Confirm these points in-app or in your loan agreement before committing.
What a Nexo loan can cost
Nexo's public site doesn't itself publish a rate table, but third-party trackers and Nexo's own loyalty-program materials consistently describe four tiers: Base (no NEXO holdings) ~18.9% APR, Silver (1%+ of portfolio in NEXO) ~17.9%, Gold (5%+) up to ~13.9%, and Platinum (10%+ of portfolio in NEXO) up to ~10.9% — with the advertised 1.9% floor reserved for the smallest, most-discounted Platinum-tier loans. If you don't hold NEXO tokens, expect a rate close to 18.9%, not the headline figure.
Pros & cons
Strengths
- Very low $50 minimum and flexible open-ended line
- No origination or early-repayment fee
- Genuinely low rates at top loyalty tiers
- Large, established platform with high limits
Trade-offs
- "From 1.9%" is best-case; standard rate undisclosed
- Rehypothecation / segregation not publicly addressed
- Best pricing tied to holding NEXO tokens
- Custodial counterparty — not self-custody
Who Nexo is best for
Nexo suits borrowers who want a flexible, low-minimum credit line and either already hold NEXO tokens (for the low rates) or value drawing small amounts on demand. If transparency and proof-of-reserves matter more to you, Ledn is a clearer choice; for a larger fee-free loan, see Strike. Compare all options in the lender table.
FAQ
What is Nexo's Bitcoin loan interest rate?
Advertised from 1.9%/yr, but that applies only to the top Platinum loyalty tier (10%+ of your portfolio in NEXO tokens). Borrowers with no NEXO holdings pay the Base tier rate, around 18.9%/yr; this isn't published directly on Nexo's site.
What is the minimum loan at Nexo?
$50 — the lowest on our list — with credit lines up to $2 million, structured as an open-ended revolving line.
Does Nexo rehypothecate my Bitcoin?
Nexo doesn't clearly address rehypothecation or per-client segregation publicly. Collateral is held custodially via third parties. The lack of a clear statement contributes to our MED rating.
Is Nexo safe?
It's a large, established custodial lender, but unpublished rates/fees and an unclear rehypothecation stance reduce transparency. We rate it MED and suggest confirming terms in-app.
See Nexo next to every other lender
Live rates, LTV, liquidation thresholds, custody, and minimums for every lender we track in one verified table.
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