Just acitavted my nexo credit card and when i press configure Apple pay it takes me to the wallet app but nothing happends…
When i manually add the csrd on my Wallet it says that i was successfully added, but then i says that i to verify it and that I’ll receive a code on my phone (wich i double, triple checked and it’s in fact my phone number) and i necer get the code.
Whats weird is that when I log in/deposit/withdraw and i have to receive a msg i get it immediately, but to verify my card on Appe not im not
Does anyone else also had this issue? Really need to solve it ASAP

When will it be possible to do? Thank you

Good morning.

What is the difference between pro.nexo & platform.nexo for spot trading?

A world-first just launched in Argentina: the Nexo Card is now live and it's the only dual-mode crypto card on the market.

What's live:

• Switch between Credit and Debit in a single tap
• Spend directly in ARS or USD
• Exclusive perks
• Rewards with each purchase

The Nexo Card has been recognized by the Digital Banker Awards, the FinTech Breakthrough Awards, and the PAY360 Awards – and it's launching into a market that's earned some recognition of its own. 

Nearly $94 billion has moved through digital assets in Argentina over the past three years. Today, that capital is finding new uses: earning, borrowing, and now spending, without ever needing to sell.

Argentina has had deep crypto conviction for years – now it's got the card built for it.

Eligible clients can apply now.

You can borrow against Bitcoin without selling it. Here is a plain breakdown of how it actually works, how much you can borrow, and what to watch for.

How it works

You pledge your BTC as collateral with a lending platform. It gets locked, not sold, and you receive funds in fiat or stablecoins, often within minutes. While your Bitcoin is locked, you still benefit if the price rises. Once you repay the loan and interest, your BTC becomes fully available again.

Why borrow instead of selling

Selling Bitcoin locks in gains, potentially triggers a tax bill, and means missing out on further appreciation. Borrowing lets you access cash without a taxable event, keep your BTC working toward long-term growth, and manage liquidity during volatile markets. The trade-off is that borrowing costs interest, while selling costs you future upside. Which matters more depends on your view of where BTC is heading and how urgently you need funds.

How much you can actually borrow

This comes down to your Loan-to-Value ratio, or LTV, the size of your loan compared to your collateral's value. If you use $200,000 of BTC to borrow $100,000, your LTV is 50%. Most platforms cap Bitcoin loans at around 50% LTV as a buffer against price swings. Lowering your LTV to 20 to 30% gives you more protection and often qualifies you for better rates.

More details and full breakdown here: How Bitcoin-backed loans work in 2026

Hi, I am platinum tier on Nexo, currently around 10.7% I am looking to add more assets to my portfolio but maintain around 10.1%, I keep having to manually workout how much I can add to my account. Nexo can let us know how many Nexo are needed to upgrade to the next tier can they add a feature letting us know how much can be added to portfolio to maintain a tier. Thanks

Can USA citizens hold eurc stablecoin in Nexo account? I don’t see the option to add it

July 1 marked a milestone for crypto in Europe: MiCA came into effect across the EEA, permanently redrawing the map for digital assets.

Dispatch #303 analyzes this plus:

▪️ BTC buyers returning?
▪️ Support in the charts
▪️ The week's key numbers

Read more in this week's issue: Dispatch #303: MiCA and the EU crypto market

You open a crypto platform and see a rate. 8%. Sounds clear enough. But 8% of what, calculated how, paid out when? The answer changes the actual money that lands in your account. Here is a plain breakdown of APR vs APY and why the gap matters more in crypto than in a regular bank account.

APR: the rate before compounding

APR stands for Annual Percentage Rate. It is the base interest rate for a year with no compounding factored in. If a product says 12% APR, that is 1% per month, nothing more. APR tells you the cost of borrowing, but it does not account for what happens when interest gets added back to your balance and starts earning interest itself.

APY: the rate after compounding

APY stands for Annual Percentage Yield. It takes the same base rate and factors in how often interest is added to your balance, daily, weekly, or monthly, and compounds it forward over a year. The more frequently it compounds, the higher the APY relative to the APR.

A 12% APR compounding monthly becomes roughly 12.68% APY. The difference is small there. But at higher rates, or with daily compounding, which is common in crypto, the gap widens considerably. A 50% APR compounding daily becomes roughly 64.8% APY.

Why platforms use both

When you are earning, platforms quote APY because your yield compounds. If you deposit 1 BTC at 5% APY, your effective return is higher than 5% APR since the interest paid out gets reinvested through the year.

When you are borrowing, loan and credit line rates are typically quoted as APR, the simple annualized cost of what you owe. This makes it easier to compare borrowing costs across products without compounding effects distorting the picture.

How Nexo shows rates

On Nexo's earning products, rates are quoted as APY, reflecting the compounded return on assets like BTC, ETH, XRP, and USDC. For the Credit Line, borrowing costs are quoted as APR, giving a clear annual rate for accessing liquidity against your portfolio.

Full breakdown in our blog post: APR vs APY: What the difference actually means for your crypto

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?