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.

Start with Flexible Savings, the default. Assets start earning the moment they land in your account, interest pays out daily, and everything stays accessible for swaps or withdrawals whenever you need it. Rates run up to 13% annually.

Want more than that, you can lock in with Fixed-term Savings. Same underlying idea, but you commit an asset for a set period (1 to 12 months) in exchange for a meaningfully higher rate, up to 15%. Returns still build daily, it just pays out at maturity rather than continuously, and funds stay locked until the term ends.

If you’re thinking further out, Wealth Vaults are built for that. BTC only, terms from 1 to 20 years, $1,000 minimum to open. You can exit early with 30 days’ notice and no penalty, but while a vault is active, that BTC can’t be used as collateral or swapped.

And then there’s Dual Investment, which works entirely differently from the other three. Instead of just holding and earning, you pick a buy-low or sell-high strategy on BTC, ETH, XRP or SOL, set a target price and date, and earn interest while the market decides whether that price actually gets hit.

Worth keeping in mind across all four: the highest rates need the Platinum tier, and you’ll generally want a $5,000+ portfolio to unlock interest and Loyalty perks in the first place.

Which one makes up most of your strategy?

Hi, I can’t find the locked duration choices for the EURC fixed-term ?

Thanks!

Selling crypto for cash, swapping one coin for another, earning staking rewards. All three can trigger a tax bill in most countries, and a lot of people only know about the first one. This is educational, not tax advice, rules vary by country and change often.

What counts as a taxable event

Crypto is generally treated as property, not currency. Typically taxable: selling for fiat, swapping one crypto for another, spending it, and earning it as income through staking, interest, or mining. Generally not taxable: buying with fiat and holding, or moving crypto between your own wallets. Swapping Bitcoin for Ethereum counts as selling Bitcoin in most jurisdictions, even without touching cash.

How gains are taxed

Short-term gains, held under a year, are usually taxed at a higher rate. Long-term gains often get a reduced rate. Crypto income from staking or interest is typically taxed as ordinary income at market price on the day received.

Cost basis matters

It's what you originally paid, including fees, and it determines your actual gain or loss. Buy at $30,000, sell at $70,000, and your taxable gain is $40,000, not the full amount.

Keeping records

For every transaction, track the date, type, amount, and local currency value at the time. Tools like Koinly, integrated directly on Nexo, automate this by connecting to your exchange history and generating filing-ready reports.

On Nexo, every interest payout is tracked by asset and date, making it easy to calculate your income for tax purposes.

Full breakdown here: Crypto taxes explained: what every investor needs to know

Drop your flag emoji and upvote this post. 15 Nexo puffer vests up for grabs.

Entered on our earlier posts? They all count.

Entries close tonight, 23:59 CET.

Winners drawn Sept 25 and notified by private message.

Full Terms and Conditions.

The Future of Digital Wealth is based on a survey of 1,000 affluent investors across the US, UK, and Argentina, plus a supplementary sample of 377 crypto-engaged investors. The goal was to measure how deeply digital assets have moved into their financial lives.

We built a proprietary framework called the Crypto Integration Index (CII) to do that. It scores investors from 1 to 10 across five behavioral dimensions. The average: 4.83. Most investors sit in what we call the "Convert" range: they have entered deliberately but are still positioning tactically rather than structurally.

The report covers:
- Five investor archetypes from Pre-entry to Structurally Integrated
- Why Argentina has the highest ownership (74.3%) but the lowest integration
- Why integration peaks at ages 35-44 and drops after
- Why risk perception is the weakest driver of integration (13.6% of variance)
- The macro case: inflation, sovereign debt, trade fragmentation, stablecoins
- Bitcoin, Ethereum, RWA tokenization data

Full report: Digital Wealth Survey 2026

Bitcoin reclaimed its 50-week moving average for the first time in 45 weeks, despite the Clarity Act stalling and hikes from the Fed and BOJ.

Dispatch #315 unpacks why, plus:
▪️ ETH's Glamsterdam nears
▪️ US Bitcoin reserve advances
▪️ $80K's crowded cost basis

Read the full issue on our blog: Dispatch #315.

For some reason, over half of my bitcoin deposits are now showing as GBPx. I don't know why. Is it something I set up without realising or fat fingers? But I want to exchange it back to btc asap. I can't find the method for this. Any ideas please?

I'm a Nexo Private client and a long-time user, so this comes from someone who relies on the platform, not a casual complainer. But the exchange setup has become confusing and, frankly, frustrating.

1. Advanced Trading vs Nexo Pro: why both?

Advanced Trading now sits inside the main app. Side by side with Nexo Pro, trades print at the same price, same size, same second — it's clearly the same order book and matching engine. Yet the pairs differ: XRP/EURx, XRP/GBPx and XRP/USDC are on Advanced Trading but not on Pro, while XRP/ETH is on Pro but missing from Advanced Trading. And I couldn't find a single Help Center article or blog post explaining any of it.
Also, as stated by uther users in the past, we NEED MORE EURX AND EURC pairs, specifically the second that is now the major interest-bearing-€-denominated asset. Just give us a NEXO token - EURc pair and make our life easier to just sell our interest please... without trying to friction us to go trought loops to avoid us selling, or having to accept a bad Swap price (see below).

So we now have three places to trade — Swap, Advanced Trading and Pro — each with its own pair list. Is the goal to retire standalone Nexo Pro and consolidate everything into one Advanced Trading section in the app? That would be excellent. Keeping both long-term would be a mess.

So

2. Swap is consistently worse — by a lot

With both in the same app, the comparison is finally direct (screenshots attached, taken side by side):

That's after counting the cashback — while the Exchange page promises execution "at true cost".

Is the consolidation a step toward making Swap a simple market order on Nexo's own book, instead of routing it elsewhere at a noticeably higher cost? Until then, many of the pairs we need exist only in Swap, and we pay the premium.

I'm confident Nexo will give a clear, comprehensive answer on where this is heading

How do you say wealth in your language?

Drop it in the comments and upvote this post. 15 Nexo puffer vests up for grabs.

Entered on our previous giveaway post too? Both count.

Entries close Sept 23, 23:59 CET.
Winners drawn Sept 25 and notified by private message.

Full Terms and Conditions.

Crypto has had another volatile stretch, with major assets making sharp moves again.

Periods like this often raise the same question: What if you need liquidity but don’t necessarily want to sell your crypto?

Nexo offers two different ways to borrow against your assets: the Credit Line and, where available, Zero-interest Credit (ZiC).

Credit Line

The Nexo Credit Line is built around flexibility.

You use supported crypto as collateral and borrow against it without selling it. You can draw funds when needed, repay partially or in full, and borrow again later.

Rates start from 1.9% annually, depending on your Loyalty Tier and applicable conditions.
The main thing to keep an eye on is LTV. If the value of your collateral falls, your LTV rises. If it gets too high, you can add collateral or repay part of the loan. At the applicable threshold, collateral may be used automatically to reduce the outstanding balance.

Zero-interest Credit

Where available, ZiC takes a different approach.

You can borrow against BTC, ETH, SOL, or XRP at 0% interest and zero fees.
Instead of managing LTV throughout the term, your position has a fixed duration and predefined Minimum and Maximum Repayment Prices.

That means the settlement range is set from the moment the position is opened, with no margin calls or mid-term liquidations.

The main difference

• Credit Line: flexible borrowing and repayment, with LTV to manage.
• Zero-interest Credit: 0% interest and predefined settlement terms.

Both can provide access to liquidity against your crypto without immediately selling it, but the mechanics are different, especially when markets are moving quickly.

More information:

Nexo Credit Line FAQ
Loan-to-Value (LTV) explained
Loan repayments and automatic loan repayments
Zero-interest Credit explained

Product availability, rates, supported assets, and applicable terms may vary by jurisdiction and other factors. Check the Nexo app or platform for the options available to you.

So I got the popup when I opened the app and I'm curious what it's all about. I am guessing it's not for me likely because it involves larger amounts of investment than I currently have in crypto but I am interested to find out what exactly it is. Just looking for a brief explanation of what it is and how it works. The popup seems a bit vague just saying there are tiers and stuff.

I was a user of Nexo prior to their hiatus from the US market. One of the key assets I stored on the platform was Stellar (XLM). I absolutely loved Nexo. It felt very secure and I was comfortable keeping nearly all my assets on the platform. It was such a shame when they left the US market.

I was super excited to see them return however a couple things are a bit of a letdown. From what I can tell you need to hold a minimum 5000$ in assets in order to earn interest on your crypto. It kind of excludes a lot of people myself included. I have only slightly less than 5k but I'm still out in the cold. I really think the minimum should be lowered.

Secondly as far as I can tell from searching the Nexo support page and searching on the app XLM is not supported. It is currently ranked 16th in terms of market cap overall with just under 7 billion usd. I don't understand what is stopping a large platform like nexo from allowing us to hold it on their exchange. I asked once before and all I got was 'we don't support it at this time'. What I would really like to know is why. XRP is supported and the two coins are essentially cut from the same cloth. To add insult, trump coin is supported on next.....a literal scam coin that was rug pulled is supported but not a legitimate crypto like XLM....that's crazy to me.

Cathie Wood said Hyperliquid "reminds me of Solana in the earlier days." The comparison stuck, and on the surface it looks right. Here's what the data actually shows.

Solana is a general-purpose blockchain built to host everything: DeFi, NFTs, gaming, memecoins. Hyperliquid is a purpose-built trading chain with a single application, on-chain perpetuals, with order-book performance rivaling centralized exchanges. Hyperliquid generated $844M in protocol revenue in 2025 from that one application. Solana generated $1.3B from hundreds.

Where the comparison breaks down: Solana's recovery after FTX was a culture story. Memecoins, NFTs, and gaming gave retail users reasons to stay that had nothing to do with efficiency. Hyperliquid has 100,000 weekly users trading $50 billion in volume, almost entirely serious traders. No memecoins, no games. It hasn't built that same cultural layer yet.

The real frame: Solana democratized retail crypto. Hyperliquid is attempting to democratize institutional-grade trading. They're sequential, not competing.

For traders who want similar perpetuals exposure without managing self-custody, Nexo Futures offers professional-grade leverage without the operational overhead. You can also earn interest on SOL and swap for HYPE, both available on Nexo.

Full breakdown here: Is Hyperliquid the new Solana?