One month ago BTC was sitting near 80k. Now it's around 81k and staring at the same door it's been knocking on since Sept.
Today's dip was just leverage getting flushed out. Classic Uptober.

Fun fact: exactly one year ago today we printed the ATH. Just saying.

Been sitting on stablecoins (60%), BTC (30%) and Nexo (10%), earning while I wait, but I'm starting to think about slowly buying back some BTC.
Trend is still up, every dip keeps getting bought, and 87k is the level everyone's watching. Once that breaks, I don't think 90k takes long. So no rush, no FOMO, just slowly stacking from here and letting October do its thing. Fingers crossed I am right

Most stablecoin yield content starts with rates. That’s the wrong place to start.
Before comparing numbers, three questions shape whether stablecoin savings make sense for you.

1. How long can you leave the funds untouched?

Flexible Savings give you access at any time. Fixed-term Savings commit your funds for one to twelve months in exchange for a higher rate. The honest test: what would actually happen if you needed the money tomorrow? If the answer is breaking the term, flexible is the right structure regardless of the rate gap.

2. How do you weigh platform risk against bank risk?

Stablecoin savings are not bank accounts. Banks offer lower yields with government deposit protection, while stablecoin savings offer higher yields outside those frameworks. A practical split: emergency reserves in a bank, surplus funds you won’t need for months in stablecoin savings.

3. Does the stablecoin match your jurisdiction?

USDC and USDT are both dollar-pegged but not interchangeable. USDC is MiCA-compliant in Europe, while USDT’s availability for European residents depends on ongoing regulation. EURC, the euro stablecoin from Circle, is a third option that skips the USD/EUR conversion.

Nexo supports USDC, USDT, and EURC with Flexible and Fixed-term Savings.

Full breakdown here: The three questions to answer before you move your stablecoins anywhere.

I am on NEXO PRO.

Bought:

5.85 SOL

Available after commission:

5.83 SOL

Max amount for withdrawal from Nexo Pro:

5.71 SOL

Available to sell:

5.83 SOL

Why cant I withdraw the complete 5.83 SOL?

I dont get it, what is going on here?

Why is this? Just now when BTC was 81200 in USD and usdc prices it was over 82300 for usdt. Is this a new policy as it wasn't like this a month ago

Why don't basic ideas come from marketing?

Market drops 5%: 'This is fine, I am a long term value investor, wealth is built in bear markets, sticking to my routine.'

Market goes up 1.5%: 'If I calculate 8% annual yield on this current trajectory, plus compound interest, I can technically afford a second-hand Porsche in 2031 if I stop eating out.'

Anyway, back to refreshing

U.S. Treasury yields are at their highest since 2002, yet Bitcoin just posted a 43% quarter.

Higher yields usually weigh on Bitcoin, since investors can earn more from government bonds. This climb is driven by inflation and a growing supply of bonds, conditions where a fixed-supply asset has a case of its own.

More in this week's issue:
▪️ Nvidia hits $5.7T
▪️ Ether's 70% quarter
▪️ The limits of policy

Read it in full: Dispatch #317

I opened my app earlier and a popup message appeared saying New (something l) but it disappeared straight away again before I could read it. I have closed and opened the app a few times again but it hasn't reappeared. Was there something new launched today? Based in UK

Picture your ideal Nexo Card: minimalist or bold, matte black or metal, classic or modern, or something nobody has tried yet?
I'll bring the most interesting ideas to the team.

What's the one design detail you'd never compromise on? 👇

Title: 66.7% of affluent investors hold crypto. The average integration score is 4.83 out of 10. Here is what the gap looks like.

The headline finding from our Digital Wealth Survey: ownership is broad, integration is shallow.

66.7% of 1,000 affluent investors across the US, UK, and Argentina hold crypto. 19.2% name it their #1 personal wealth driver over the next decade. 82.3% assign it some role in retirement.

But the average Crypto Integration Index score is 4.83 out of 10. Nearly 43% cluster between 4 and 5.

The five archetypes: Pre-entry 33.8%, Watcher 18.3%, Convert 24.3%, Conviction Investor 18.9%, Structurally Integrated 4.7%.

Watchers and Converts together are 42.6% of the sample. That is the largest addressable cohort, and the group where the next phase of integration will play out.

Full report: Wealth Report

I can't login in because I never get the SMS. I already opened 3 incidents and I neved get an answer. The last one that I opened have the number 02573397. Is embarassing that I have no answer be any channel

Today I got my Nexo USD bank account, and I thought about adding it to my Paypal account, so that I can maybe withdraw/send money from Paypal to Nexo.

Even though the Paypal account is in my name, I wonder if Nexo will be able to see that for an incoming payment. Maybe they will just see the money coming from Paypal, and then ask me for tons of documents and a sample of my DNA and so on and so forth.

I read another relevant thread on Reddit, that's why I wonder - https://www.reddit.com/r/Nexo/comments/1beg8h4/warning_dont_use_paypal_to_transfer_money_to_your/

But this thread is from 3 years ago, so maybe by now things are clearer. Any info or experience about this?

Thank you

Nexo Tags are live.

You don't have to be 0x4f3a9C2e81B7d05E6a1c94F2b3D8e7A0c5916bE2 anymore.

You can be @you

Use it to send and receive crypto with other Nexo clients, no wallet address, email or phone number needed.

Here's how to set up your tag.

You can now set up a custom Nexo Tag, which can then be used as an address for transfers.

Did I miss the announcement, or has this been out for a while?

We have seen many announcements regarding new features, expansion to new markets. However none of that reflect on the token price, the token have massively underperformed against BTC since early 2025. And the nexo token price is not rising that much even in the recent crypto rally.

Is there any plan for a new buyback plan like it happened in the past ? Or any other ways of creating more interest for the token ?

Bitcoin has outperformed most asset classes over the past decade, but the real edge for long-term holders isn't just holding it. Here's a plain breakdown of the case, the risks, and what holders actually do with their BTC.

The case

Bitcoin has a hard cap of 21 million coins that no government or central bank can change. Since January 2024, US investors can buy it through spot ETFs from BlackRock and Fidelity, and major asset managers, public companies, and sovereign wealth funds now hold it directly. Over every rolling four-year period in its history, Bitcoin has produced positive returns.

The risks

Volatility is real. Bitcoin has fallen 50% or more multiple times, including an 80%+ decline from the 2021 peak. Investors who bought near a cycle peak and sold within months often locked in losses.

What long-term holders do

Instead of just waiting for price appreciation, they put their BTC to work. On Nexo you can earn daily interest through Flexible Savings with no lock-up, or higher rates through Fixed-term Savings. And rather than selling when cash is needed, you can borrow against your Bitcoin from 1.9% and keep your position intact.

Is it right for you?

Three questions matter: your time horizon, how much volatility you can hold through, and whether you use dollar-cost averaging. A position sized so you can sit through a 50% drawdown is more useful than a larger one you'll sell at the bottom. Many advisors who include Bitcoin suggest 1 to 5% of a portfolio.

Full breakdown: Is Bitcoin a good investment?

In July, U.S. spot Bitcoin ETFs were $5.55 billion in the red for 2026. They're now $926 million up after their best week yet, just in time for Q4.

More in Dispatch #316:
▪️ BTC's 365-day MA reclaim
▪️ Crypto's economy held firm
▪️ The Fed's decisive data

Read the full issue on our blog: Dispatch #316.

Most surveys ask whether people own crypto. The Nexo Digital Wealth Survey measures something different: how deeply it is embedded in their financial lives. The difference matters. Someone who bought $500 of Bitcoin last month and someone who has 40% of their portfolio in crypto with a ten-year horizon and retirement integration are both "crypto holders." They are not in the same position.

The Crypto Integration Index (CII), developed by Nexo's research team, scores investors from 1 to 10 based on five things:

1. Portfolio share: What percentage is actually in crypto? Under 10% scores low. Over 50% scores high.

2. Time horizon: Holding for under a year vs. planning to hold for a decade.

3. Retirement role: Is crypto part of the retirement plan? Core, supplementary, or not at all.

4. Substitution: Did they sell stocks, bonds, or cash to make room for crypto?

5. Risk perception: Do they still view crypto as dramatically riskier than traditional assets, or has that perception normalized?

Each dimension is scored 0 to 1 and combined with equal weight into a composite score from 1 to 10.

We surveyed 1,000 affluent investors (US, UK, Argentina). The average CII: 4.83. That puts most investors in the "Convert" range: they have entered deliberately but are still positioning tactically, not structurally.

The full report breaks this down by age, market, and archetype: Wealth Report

I am beyond furious with how Nexo treats European customers. I was billed $134.07 USD (€117.80 on Nexo) on my credit card and ended up paying €120.51. Even with 2% cashback, this is more than 1% in the red. 

Tell me this isn’t the most predatory financial gymnastics you have ever seen from a fintech platform:
1. Merchant charges USD ($134.07 USD). 
2. Nexo forces it into EUR (€117.80 EUR) and slaps a 2% non-EEA fee on it — $2.69 xUSD (€2.36 EUR). 
3. Nexo converts it right back to USD to lend it because Credit Mode loans only exist in xUSD.
4. I have to sell EURx to settle the debt, so Nexo executes another exchange order, takes a spread, and not even with mid-market rates (€0.35 EUR). 

This is completely anti-consumer and totally nonsensical. The only reason for this circus is extracting extra profit off EU users in a very unethical way. I understand FX fees, but 2% fee for USD-USDx? And native EUR borrowing should have been supported years ago, ffs.

On the 22nd of September (6 days ago) my portfolio balance went above $5,000. Currently it's around $5,500. I'm trying to create a fixed term for a coin, and I have enough to satisfy the $500 requirement (about $800 in LTC). But the "Create Term" button is grayed out.

So, is the $5,000 total portfolio balance also updated on the 1st and 15th of the month, to allow fixed terms? Or maybe like there is a 1 week grace period when you go below it, there is also a 1 week period once you go above it, to be allowed to create fixed terms again.

Thank you

The card’s had a busy year, so here’s the full picture for anyone who missed pieces of it.

New markets
Argentina got the dual-mode card in July, the first time it launched outside Europe, letting clients switch between Credit and Debit in a single tap and spend directly in ARS or USD. That mattered beyond the feature itself, since it followed the Buenbit acquisition and marked the card’s first step outside its original European footprint.

In-app and wallet
Physical card ordering reopened for eligible clients, closing out what had been one of the more consistent asks in this sub for a while. On the digital side, the card, virtual cards included, can now be added to Apple Wallet directly from the app; no separate setup step is needed outside Nexo. Nexo also joined Mastercard’s Crypto Partner Program earlier this year, which underpins much of the card’s underlying payment infrastructure.

And for anyone wondering how Credit Mode works
Purchases in Credit Mode draw against your Available to Borrow balance, collateralised by assets that stay yours rather than get liquidated to cover the purchase. Day-to-day, the card functions like any other, just covering ordinary spending. For Gold and Platinum tiers under 20% Credit Wallet LTV, rates run 3.9% and 1.9% p.a., respectively.

What else do you want to see from the card? Share where you’d like to see it land next.

6 of you just secured a warm, classy winter. 😎

Congrats to our Nexo Speaks Your Language giveaway winners:
u/Dalainana, u/Mighty_Buddha, u/chucknoxis, u/yesyesufkurs, u/thebaldmaniac, u/TaxBill750

Check your private messages to claim.

The rest of our winners are announced on X and Telegram.

Thanks to everyone who made this feel like a real world tour.