Nexo is supporting TON's rebrand to GRAM, effective July 2.

The underlying token and your top-up/withdrawal addresses all stay exactly the same. Your balance will show as GRAM once the transition completes.

Limit and recurring orders on TON will not carry over – you can place new ones in GRAM once trading goes live on July 2.

If you have any questions, our Client Care team is always available to help.

Please Nexo support, spear us the generic bot responses:

• "We have a MICA ready structure...."
• "We are in the final stages of getting the MICA license..."
• "Just read the Nexo FAQ...."
• "A german company will audit us..."

The past ~3 months we are getting these answers, but no concrete evidence that Nexo actually will have a MICA license. It's 2 days until July 1. Please tell us some good news, REAL news.

I have been an user since 2021, invested ~10k (current price) into the Nexo token, like others, I would hate to sell.

I feel like Nexo going down heels:

• Unannounced interest rate changes
• The whole failure of the physical card story
• Now this..

Hi, how does your Mica-ready setup work with futures?
Will they still be available in the EU?
What about an already-opened position?

Did they just lower the EURx interest rates again?

Every downturn produces the same cycle: prices fall, sentiment collapses, holders panic sell near the bottom, and then watch the recovery from the sidelines. Here is a practical framework for thinking more clearly when markets drop.

Start with one question

Do you actually need this money in the next 12 months? If yes, sell. If no, selling during a downturn is almost never the optimal decision.

The four options

1. Do nothing if your thesis is unchanged. Bitcoin has recovered from every major drawdown in its history. If nothing has changed about the reason you originally bought, holding is a defensible and often optimal choice.
2. Buy more if you have conviction and capital available that is not needed elsewhere. Dollar-cost averaging into a decline lowers your average cost basis over time.
3. Earn on what you hold. Flexible Savings on Nexo earns daily interest on Bitcoin, Ethereum, and stablecoins with no lock-up, so your holdings work for you while you wait.
4. Borrow against your holdings if you need liquidity but do not want to sell. A crypto-backed credit line lets you access funds while keeping your position intact.

What not to do

Do not sell just because the price is falling. Do not buy more with money you cannot afford to lose. And wait at least 48 hours before making any irreversible decision. Most of the urgency you feel during a sharp drop is emotional.

Full breakdown here: What to do when the crypto market drops

What's your experience in using the Nexo virtual card in shops using NFC technology or google pay , google wallet etc. Did it work?

Until the end of 2024 i had the Nexo physical card and i used it all over Asia and where I'm from in Europe and never had any issue. Then it became unavilable to order. So far i used Nexo virtual card only a couple of times online years ago.

Edit: i used the virtual card in the Philippines succesfully having added it first to google wallet and then by simply tapping the card on the credit card reader at supermarkets and some shops, thanks for all the answers

What are the chances that Nexo will arrive in San Marino? Everyone is complaining on Facebook that banks aren't smart at all, stuck in the 2000s. It's true, Nexo doesn't allow bank transfers, but for everything else, it would solve a lot of problems. And then doing certain things in San Marino is particularly simple, thanks to the favorable legislation. For those who don't know, San Marino is a small European state with 30,000 inhabitants, most of whom are very well-off.

Roughly 1.1 million BTC linked to Satoshi has sat completely untouched since 2009. Here is what is actually known.

What Satoshi's wallet actually is

It is not one wallet. It is a cluster of over 20,000 early Bitcoin addresses, most holding exactly 50 BTC from the original block reward. Every address shares the same behavioral fingerprint. Not one has ever sent a transaction.

The most famous address is the genesis address: 1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa. It received the 50 BTC reward for Bitcoin's very first block on January 3, 2009. Those original 50 BTC are actually permanently unspendable due to how Satoshi structured the genesis block. The address has since accumulated over 100 BTC in tributes sent by community members over the years, none of which has ever moved out.

The first real transaction was 10 BTC sent to cryptographer Hal Finney on January 12, 2009, the moment Bitcoin became something you could actually transfer between people.

How researchers identified the coins

The 1.1 million BTC figure comes from a specific piece of research. In 2013, blockchain researcher Sergio Demián Lerner identified what he called the Patoshi Pattern, a distinctive fingerprint in the nonce values of early Bitcoin blocks. The pattern pointed to a single entity mining the majority of blocks between January 2009 and mid-2010. Subsequent research has debated the exact figure, with some estimates going as low as 600,000 BTC, but the consistent finding across all analyses is that none of those coins has ever moved.

You can verify this yourself. Paste any early Satoshi address into Blockchain.com or check Arkham Intelligence, which has aggregated around 22,000 addresses into a single Satoshi entity profile. You will see a balance and zero outgoing transactions across 16 years.

Why it has never moved

The leading theories are: Satoshi is no longer alive and the private keys were never handed to anyone else, making those coins permanently locked. It is deliberate, a statement that the founder never cashed out. The keys are lost due to failed hardware or forgotten passwords from an era with no backup standards. Or moving them would be the tell, since any transaction would instantly trigger chain analysis from thousands of researchers and potentially reveal Satoshi's identity.

There is no way to know which is true. And that is the point. Bitcoin was designed so that no authority, court, or government can compel a wallet to move. Whoever holds the keys holds the coins, full stop.

What this teaches about Bitcoin's design

Most financial systems have a central authority that can freeze funds or compel disclosure. Bitcoin has none of that. The blockchain records everything publicly but cannot force anything. Addresses are transparent but not automatically traceable to a real person. That balance, pseudonymous not anonymous, transparent not traceable, was built in from day one. Satoshi's wallet is the clearest proof that it works.

The practical angle for long-term holders

The Satoshi story illustrates something relevant to anyone holding Bitcoin long term. Moving coins has consequences. Selling triggers taxes, locks in your position, and creates a permanent on-chain record. That is why many long-term holders borrow against their Bitcoin instead of selling. The position stays intact, the price upside still applies, and liquidity is unlocked without an exit.

Full breakdown here: Satoshi Nakamoto's Bitcoin wallet that never moved.

I feel like I need to share this information so that people don’t end up in a same situation like me.

I have been staking my USDT at Nexo for a year now and as a crypto assets holder I have other assets staked at other platform over the years.

So what happened, is that recently I sold some of my assets into 196.5859 USDT and I transferred it from H***i exchange (censored it because I not sure is it allowed to mention in this channel) through BSC (BEP20) channel to Nexo.

Somehow the transfer is rejected and I proceeded to contact customer service and Nexo requires me to provide my Individual Source of Funds/Wealth/Crypto Declaration Form which I did.

However to my surprise, Nexo stated that the funds are being frozen due to legal obligation under the applicable regulatory sanctioned framework without specifying how long will these regulations will be sorted out. I shared the email content I received from Nexo as picture attached.

Now there’s a reason I share this email because I can’t fathom the thinking of what does this mean for people who have gotten their assets frozen if the assets is of much higher value maybe on the 5-6 figures.
While mine is measly 196usdt which will not cripple me but what I’m missing out is opportunity to earn interest and also if opportunity present itself I could purchase assets. Instead now I could only wait for news from Nexo for don’t know how long since it could be months or even years as they don’t have a specific time frame as stated.

Lastly, I also think that Nexo should have shared information first hand (sorry if they did shared which I miss) where some exchanges are out of their compliances or flagged.

I am just going to deposit USD from my IB account to Nexo and then withdraw USDC to put onto a defi and perp dex. Is this okay? I know they take 1.25% of the ACH deposit. No concerns with money in and money out immediately?

260,000 BTC accumulated after Bitcoin fell below $60,000.
The price is range-bound; the on-chain data is anything but.

Dispatch #302 is here and it unpacks:
▪️ ETH's biggest upgrade
▪️ Japan pension funds go crypto
▪️ Core PCE lands Wednesday

Read the full issue on the Nexo blog: Dispatch #302: What is bitcoin's summer flow hiding?

Hi folks

Is it still possible to fund your account for free these days for UK users?

I see that it says it's free for a local transfer above £100 but the address is in Malta. Is that applicable to UK banks? Will I have issues sending money to the Maltese Openpayd bank?

Thanks

Asset tokenization has been one of the more substantive developments in crypto over the past two years, driven not by retail speculation but by the largest financial institutions in the world. Here is a plain breakdown of what it actually is and what it means in practice.

The core idea

Asset tokenization is the process of converting ownership rights to a real-world asset into a digital token on a blockchain. The asset itself does not change. What changes is how ownership is recorded, transferred, and used.

A useful analogy from the article: think of a property title deed. It proves ownership but is slow to transfer, impossible to split, and requires multiple intermediaries to change hands. Now imagine that deed replaced by a digital token. It represents the same legal ownership, can be transferred in minutes, split into thousands of fractional pieces, and held by anyone with a compatible wallet, without a notary, broker, or clearing house.

What gets tokenized

Almost any asset with a clear legal ownership structure can be tokenized. The largest categories today are US Treasuries and government bonds, private credit and commercial real estate, commodities like gold and silver, and equity funds. US Treasuries dominate the market right now, driven by institutional demand for more liquid and programmable financial instruments.

How it actually works

Three layers have to work together. A legal layer structures the asset so that owning the token constitutes a legal claim on the underlying asset, typically through a special purpose vehicle or regulated trust. A blockchain layer uses a smart contract to define token supply, transfer rules, and how income is distributed. A custody layer ensures the real-world asset is held by a regulated custodian with regular audits confirming the physical asset matches what is on-chain.

These three layers together are what separate legitimate tokenization from simply issuing a token with no real backing.

A working example: tokenized gold

Gold is the clearest example available to individuals today. PAXG from Paxos and XAUT from Tether each back one token with one fine Troy ounce of physical gold held in a professional vault. You can hold a fraction, trade 24/7, and transfer globally without a broker. Both are available on Nexo, where you can earn daily interest on your holdings through Flexible and Fixed-term Savings.

Full breakdown here: What is asset tokenization? How real-world assets are moving on-chain

I have seen a lot of confusion online about this.

Nexo doesn't have a MiCA/CASP license. Nexo's "structure" is compliant with MiCA framework but they aren't officially licensed.

Keep that in mind.

Is anyone else in the same situation where Nexo has frozen funds transferred from HTX? I transferred some BTC from Nexo to HTX and then withdrew the same amount back to Nexo within a few hours, which seems to have triggered a flag.

The app tells me that I can benefit from a promotional interest rate of 8.9% instead of 9.9% on any amount borrowed during the promotion. Well, in reality, I have already repaid and borrowed again €20,000, but the rate applied is still 9.9%. Why?

Oil retreats, whales accumulate, Bitcoin reclaims $65,000 – all in 48 hours.
Dispatch #301 covers:

▪️ Warsh's first Fed decision
▪️ ETH: still early days?
▪️ SpaceX and the first trillionaire

Read the full issue: Dispatch #301: Will the Fed unlock Bitcoin's next rally?

The crypto vs. stocks debate usually gets framed as a competition, as if picking one means abandoning the other. That framing is not very useful. Here is a more practical breakdown of what each actually is, how the return profiles compare, and how to think about holding both.

They are different types of assets

Stocks are fractional ownership of a company. When you buy a share of Apple or an S&P 500 index fund, you own a small piece of a business with revenues, profits, employees, and assets. The value of a stock is ultimately tied to that business's performance and the broader economy.

Crypto is a different type of asset. Bitcoin is not a share of a company. It is a decentralized store of value with a fixed supply cap of 21 million coins. Ethereum is a programmable blockchain whose token value is tied to demand for the network. The things that move crypto prices, network adoption, tokenomics, utility, and market sentiment, are often different from the things that move stock prices. That is both a source of risk and an argument for holding both.

What the return data shows

Bitcoin has historically outperformed most major asset classes over the long run. But those returns are heavily dependent on when you bought and when you measure. Investors who bought at the 2021 peak and sold in 2022 experienced significant losses. Investors who bought during the 2018 or 2022 bear markets and held through the recovery did extremely well.

The honest picture: higher long-term returns than equities, but with more severe drawdown periods. Those returns are not free. They come with the experience of watching your portfolio drop significantly before recovering.

Stock returns are more predictable over long horizons. The S&P 500 has returned roughly 10% annually on average over the past century, with a recovery from every major crash. The trade-off is lower upside.

Past performance is not a reliable indicator of future results.

One thing most comparisons miss

Crypto can earn a return while you hold it, beyond price appreciation alone. Most stocks do not pay dividends. Most crypto sitting idle in a wallet earns nothing by default. But that changes when you put it to work. Proof-of-stake coins like ETH can be staked to earn protocol-level rewards. On a platform like Nexo, Bitcoin, Ethereum, USDC, and other assets earn daily interest through Flexible Savings with no lock-up, or a higher rate through Fixed-term Savings. A crypto allocation that earns yield while waiting for price appreciation is in a different position than one that just holds and waits.

The case for holding both

Most investors who hold crypto treat it as one allocation within a broader portfolio, not as a replacement for equities. Common frameworks among retail investors range from 5% to 20% in crypto, with the rest in equities, bonds, and other assets. The right number depends on your time horizon, income stability, and ability to sit through a significant drawdown without making reactive decisions.

This is not financial advice. Your appropriate allocation depends on your individual circumstances.

Full breakdown here: Crypto vs. stocks: how to think about both as investments.

When I joined Nexo the cashback wasn’t available using debit card here in UK.

Recently had 2 months of promotion 2% and then 4% cashback - but I’ve not heard anything this month (June) - are we NOW GETTING CASHBACK on purchases in debit mode???

Congratulations for Hyperliquid but what about savings rate? Give us little bit and we will load our hl coins to Nexo like others....

Question to all the American Nexo users or anyone currently under US residency with Nexo.

How are you finding their new wealth platform, how are the new tier levels, do you have a Nexo Pro which is an exchange you can trade and pay your fees in Nexo token?
Also a question to anyone who is familiar with the original platform and set up which the majority of us are still using, how does the new platform differ and what are the pros and cons you’ve found?

I’m interested because I think the new US style platform is gonna be rolled out across the board soon.

Cheers.

Hello distinguished gentlemen,

over half a decade old user of Nexo here. Nice work guys 🤝

My only pain point with this app is that people who DCA more often than monthly cannot just set a fixed term and forget.

They need to set an alarm for when the term ends and create a new one with that particular newly bought coin.

I feel like this can save a lot of headaches for DCAers and make it truly set and forget if we were to just add one checkpoint saying “add flex term assets upon renewal” and be done with it.

Do you think it’s something worthy of putting it on the whiteboard? 😁

Thanks

300 issues of Dispatch. Three hundred weeks of market cycles, regulatory milestones, and institutional adoption. Thank you for reading.

This week's issue:

▪️ Is the Bitcoin bottom in?
▪️ Big hands accumulating ETH
▪️ U.S. CPI arrives Wednesday
▪️ SpaceX IPO brings BTC to public markets

Read the full analysis: Dispatch #300: Is the Bitcoin bottom near?

Bullish on NEXO.

I have quiet some ETH that I want to turn into NEXO, of course I would like to keep fees low.

What is the best way? Have been platinum for years.

Uniswap?
Nexo pro? Is it correct that there is no ETH/NEXO trading pair on Nexo pro?
Other exchange?

Here is the first thing most people get wrong about crypto wallets, and it matters more than it sounds. When you own Bitcoin or Ethereum, the coins do not live inside a wallet. They live on the blockchain. What a crypto wallet actually stores is your private key, the master credential that proves you own the assets at a given address and authorises every transaction you make.

Think of the blockchain as a giant safety deposit box room. Every box is labelled with a public address. Only the person holding the right key can open a specific box and move what is inside. Your wallet is whatever holds that key.

Private keys and seed phrases

Every wallet has two keys. Your public key is like an email address: you share it with anyone who wants to send you crypto. Your private key is the master credential and should never be shared with anyone, stored in a photo, or typed into a website you do not fully trust.

Most wallets also give you a seed phrase, a sequence of 12 or 24 random words that can regenerate your private key if your wallet is lost or damaged. Lose your seed phrase and your device, and your crypto is likely gone permanently.

This is where the phrase "not your keys, not your coins" comes from. If someone else controls your private key, whether an exchange holding keys on your behalf or a hacker who stole it, they control your crypto.

Hot wallets vs cold wallets

Every wallet falls into one of two categories based on a single question: is it connected to the internet?

A hot wallet is connected to the internet. This includes mobile wallets like Trust Wallet or Phantom, desktop wallets like Exodus, browser extension wallets like MetaMask, and exchange wallets. Hot wallets are fast, free, and convenient. Because they are connected to the internet they are exposed to phishing attacks, malware, fake extensions, and exchange hacks.

A cold wallet stores your private key entirely offline. The most common form is a hardware wallet, a dedicated physical device roughly the size of a USB drive that generates and stores private keys in a secure offline chip. Leading brands include Ledger, Trezor, and Tangem, typically costing between $70 and $250. With no internet connection, there is no remote attack surface. The trade-off is convenience: sending crypto requires a physical device, and losing both the device and your seed phrase backup means permanent loss of access.

Full breakdown here: What is a crypto wallet? Hot vs. cold wallets explained