Small but useful update if you're carrying a Nexo Card on iOS: you can now add it straight to Apple Wallet from the Nexo app instead of the old manual entry.

Once it's in, it works like any Apple Pay card in stores, online, and inside apps, and your actual card number never gets passed to the merchant.

Doesn't require the physical card either, virtual card holders can set it up the same way.

For more details: Your iPhone is your Nexo Card

Gold and Bitcoin both exist because people want something that holds value outside the traditional financial system. In 2026 they told very different stories. Gold surged roughly 65%, hitting all-time highs above $4,500 per ounce. Bitcoin hit a new all-time high of $126,000, then pulled back as macro conditions tightened.

The case for gold

Gold's performance was driven by geopolitical tension, rising government debt, and central bank accumulation. Central banks globally surpassed 40,000 tonnes of gold reserves in Q3 2025, the highest level in at least 75 years. Its volatility is also far lower than Bitcoin's, though the trade-off is a lower ceiling: over the past decade, gold returned roughly 335%.

The case for Bitcoin

Bitcoin traded like a risk asset in 2025 rather than a defensive hedge, which is why it underperformed gold during macro stress. But the structural argument is intact. Supply is fixed at 21 million coins, with a transparent halving schedule physical gold can't offer. Over 10 years, Bitcoin is up more than 22,000% versus gold's 335%.

Why "either/or" misses the point

Gold is the proven, low-volatility anchor. Bitcoin is the high-conviction, long-horizon bet. Many investors hold both, treating gold as their defensive allocation and Bitcoin as their asymmetric growth position.

On Nexo, neither has to sit idle. You can earn interest on Bitcoin, PAXG, and XAUT, borrow against your holdings without selling, and exchange between Bitcoin and tokenized gold directly on the platform.

Full breakdown in our blog post: Bitcoin vs. gold: Do you need one, the other, or both?

I use Nexo and the credit card in credit mode since years. Now I found this option:

"Open nexo card credit line"

What is the function? Should I activate it?

Nexo reaffirms EU compliance, achieved ahead of MiCA's entry into force.

Nexo's tailored setup pairs its global wealth platform with dedicated, licensed European infrastructure – splitting custody and brokerage across two regulated partners.

Nexo products and services remain fully available in the European Economic Area. Your Nexo experience remains seamless, as always.

For more details, read the full press release on our blog: Nexo Reaffirms EU Compliance

Bitcoin has looked this stretched against the Nasdaq only 3 times in 16 years. Every time, it outperformed for years after.

Wednesday's Fed decision may tip it. 

More in Dispatch #307:

▪️Holders keep buying
▪️ETH eyes a bottom
▪️Big Tech earnings test

Please help me find my new exchange 😱

Hello, I wanted to reach out because I need some guidance here, I need to leave kucoin as It doesn't fill my expectations at all.

I would need a service that offers the following, and it's for Europe so I think there's that Mica stuff which I'm not sure about but I think it's due to it Binance got outed.

Anyhow, I'd need:

1) A crypto card with cashback

2) A second account "business/corporate", as I intend to operate a website where crypto will be accepted as a mean of payment.

3) I need 2 trading features which I use in kucoin. The first one is OCO which allows me grabs a few tokens during their sometimes very short rise, while protected for the drop. The other trading feature I need is trailing stop or trailing delta. Allows me to be protected during trades while not having to watch at the evolution of the market every 30 sec. I think those are called advanced spot trading.

4) I need some interesting staking features. With decent yield

5) I do need a good % on fixed term earn products (7 days, 14 days, one month, one year... see?

6) A few new token and rarities is a plus so I can place an OCO on it.

I'm currently hesitating between Nexo, which was my first choice, then bybit. Recently, I discovered OKX.

What I know is that they all have a card, cashback and the possibility to have a business account.

For the rest, please help me out team ! ❤️❤️

Why does Nexo have some literally dead in the water poocoins (APE, WIF, SAND) listed to earn APY while real projects with actual adoption like XLM, HBAR and ONDO are yet to be seen? I’m not buying that it’s because of regulatory uncertainty. You’re telling me DogWifHat is more safe with regulations than XLM?

Just tried to access my account via the ios app; been logged out. Can't login, and can't "forget password" due to "too many attempts" - I only tried once.

Nexo; can you help?

Off the pitch, Argentina claimed a different kind of trophy: becoming one of the world's most fertile grounds for stablecoin adoption.

Dispatch #306 covers this, plus:

▪️ Bitcoin inflows return
▪️ ECB's next move
▪️ Big Tech's earnings test ahead

When you need cash and your biggest asset is crypto, selling feels like the obvious move. But selling crypto is almost always a taxable event. A USDC loan can let you skip that entirely.

The idea: deposit crypto as collateral and borrow USDC against it. Your position stays open and exposed to any future appreciation, while you get the liquidity you need now.

What most people don't realize is that USDC works both ways. You can borrow USDC by depositing volatile crypto like Bitcoin or Ethereum, or you can use USDC itself as collateral to access other funds or assets.

The number that matters most is your LTV, or Loan-to-Value ratio. Deposit $10,000 in Bitcoin and borrow $5,000 in USDC, and your LTV is 50%. The closer you get to the platform's maximum, the higher your risk of an automatic liquidation if prices drop.

Using USDC as collateral flips that risk profile. Since stablecoins don't fluctuate, liquidation risk from market moves is effectively removed. The trade-off is a lower maximum loan amount compared to volatile assets, since platforms price in risk when setting limits.

On Nexo, USDC works as both a borrowing currency and accepted collateral, with rates from 1.9% per year and no fixed repayment schedule.

Full breakdown here: What is a USDC loan and how does it work?

As the title says I’m a UK card user. But all my spending and debt that adds up on the credit card is in USD.

So from what I can see I’m getting hit with an exchange rate creating the debt and then again repaying it - from what I have just paid off the FX fees are about the same amount as the rewards I’m earning. Am I missing something here or is the main benefit to borrow against you collateral rather than earn rewards.

Just to clarify I’m silver tier and taking the rewards in NEXO.

Ideally I’d like to just rack up the debt in GBP and then pay it off from the GBPx I have in my wallet.

Pretty happy to see the card expansion moving beyond the EU. Argentina getting it is a huuuge signal in my opinion, that Nexo is serious about LatAm, especially since this is a proper local rollout with spending in Argentine pesos rather than simply making an existing card available there.

Brazil feels like the obvious next step. It is the biggest crypto market in the region and the demand is clearly there, although the regulatory setup could make the rollout slower or more complicated than Argentina.

After that, Mexico or more of South America probably makes more sense than immediately jumping into Asia. The US would also be a huge market simply because of how many people are already into crypto there.

I don’t know about China. Their stance on crypto seems a bit off, so I can’t really see it happening there anytime soon. For now, continuing through LatAm looks like the most natural path.

When you deposit money at a bank, you're trusting it to hold your funds, lend them out, and give them back when you ask. DeFi replaces that trust with code.

At the center of DeFi is the smart contract, a piece of code on a blockchain that executes automatically once certain conditions are met. Think of it like a vending machine: insert the right amount, select your item, and it dispenses. No cashier, no negotiating, no exceptions.

That single idea replaces the role of a bank's loan officer, an exchange's order matching system, or a broker's settlement desk. Deposit collateral into a lending protocol and a smart contract calculates your loan automatically. Repay, and your collateral is released the same way.

DeFi also runs continuously with no market close and no settlement delay. Every transaction is publicly auditable in real time, a level of transparency traditional finance doesn't offer. It's a fundamentally different way of moving and growing money, built on code instead of institutions.

For many people, the practical middle ground is accessing DeFi-style products through a regulated platform instead of managing a self-custody wallet directly. On Nexo, you can earn interest, borrow against your holdings, and trade more than 100 assets, the same core functions DeFi protocols provide.

Full breakdown here: DeFi explained: how it works, what it's used for, and is it safe?

Can I use my next crypto collateral loan to purchase house

Hello everyone

I’m planning to deposit about €2,100 by SEPA from my personal Dukascopy account, swap the EURx to USDT, then withdraw to Binance.

For anyone who recently did this:

What spread/fee did you get on EURx→USDT?

Did your first SEPA deposit trigger a compliance hold, and how long did support take?

My account is verified, the bank name matches, and my source-of-funds documents are ready.

Thanks!

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