Don't sell your crypto, borrow against it.

Rates start at 1.9% per year. Combine BTC, ETH, and other assets as collateral.

Custody, trading and futures are provided by Tangany and DLT Finance under their MiCA and MiFID authorisations. Earn rewards and crypto-backed loans are separate products, offered under their own terms and outside the scope of those authorisations. Learn more.
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Trustpilot
Operating
since 2018
Ranked #3 CeFi lender in total loan volume
by Galaxy Research, Q1 2026
Assets under management
$7+ billion

A Credit Line designed to stay open.

Open once, repay anytime, and use it again whenever you need.

Keep your collateral flexible

Combine BTC, ETH, and other supported assets as collateral, then swap them anytime as the market evolves.

Access liquidity in hours

Receive the equivalent of between $50 and $2 million with instant approval and no credit checks.

Unlock tax-efficient borrowing

Borrowing against your crypto may avoid the taxable events associated with selling it.

Repay your way

Settle partially or fully whenever it suits you — with no fixed dates and no minimum installments, using crypto or stablecoins.

See how much you can borrow.

Find out how much collateral you would need to borrow your desired amount.

USD
Bitcoin logoBTC50% LTV
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The results shown are estimates based on the inputs provided and do not constitute an offer, commitment, or financial advice. Actual loan terms, collateral requirements, and applicable rates may vary. Credit Line is distributed in digital assets only, and the fiat currency equivalent is provided solely for reference.

Opening a Credit Line vs. selling your crypto.

Understand the key differences between selling your digital assets and borrowing against them, and how each approach affects liquidity and long-term positioning.

Borrow with your crypto as collateralSell your crypto

Stay invested and benefit if prices rise

Access liquidity without selling your crypto

Borrow instantly without credit checks

Avoid taxes that come with selling crypto

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See which assets you can use as collateral.

Pick from a wide range of supported digital assets to borrow against and view their respective Loan-to-value (LTV) ratio.

Bitcoin logoBTCBitcoin
50% LTV
Ethereum logoETHEthereum
50% LTV
NEXO Token logoNEXONEXO Token
15% LTV
Polkadot logoDOTPolkadot
30% LTV
XRP logoXRPXRP
30% LTV
See all

Here's how borrowing with Nexo works.

Learn how to borrow against your crypto.

Discover how crypto-backed loans work and when they make sense. Understand collateral, loan-to-value ratios, and flexible repayment — without having to sell your digital assets.

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Why would anyone get a Bitcoin loan?

Learn the practical reasons behind Bitcoin-backed loans.
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What is crypto lending, and how does it work?

Understanding the basics of collateral-backed crypto loans.

Is borrowing against Bitcoin a good idea?

Explore the use cases of Bitcoin-backed borrowing.

Make the most of your Credit Line with the Nexo Card.

nexo card woman airplane window
Get up to 2% crypto cashback on any purchase.
Spend without selling your digital assets.
The more you top up your Nexo account, the more you can borrow and spend.
Learn more

Unlock even more borrowing power by joining Nexo Private.

nexo private man sitting

Borrow the USD equivalent of up to $200 million

Access high-limit credit with the freedom to customize repayment terms around your financial objectives.

Custom credit solutions

Unlock tailored credit solutions to optimize your portfolio’s performance.

Prioritized white-glove service

Benefit from a dedicated relationship manager and prioritized client care.
Learn more

Innovation, recognized worldwide.

Nexo's approach to digital wealth continues to earn recognition from respected industry bodies worldwide.

The Digital Banker Awards

Best PayTech for Digital CX, 2025

FinTech Breakthrough Awards

Best Cryptocurrency Wallet, 2025

PAY360 Awards

Best Consumer Payments Programme, 2025

Frequently asked questions.

How does the Nexo Credit Line work?

Unlike traditional loans that consider your credit score, Nexo offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up, you can immediately utilize your Credit Line. You have two options for your loan.

  • Choose from multiple currencies and receive the funds straight to your bank account.
  • Receive USDC to your Nexo account.

To start utilizing your Credit Line, follow the steps detailed in our dedicated Help Center article.

Can I borrow crypto without a credit check?

Yes. You can borrow crypto without a credit check. With the Nexo Credit Line, your crypto acts as collateral, so approval is instant once you transfer eligible assets to your Nexo account.

Will I pay taxes if I borrow?

When you borrow against your crypto you may avoid the taxable events associated with selling it. However, tax laws vary, so we always recommend checking with a licensed tax professional before borrowing. Learn more here.

What is LTV, and what happens if it rises?

Your Loan-to-Value (LTV) ratio shows how much you’ve borrowed compared to the value of your crypto collateral.

If the market value of your crypto drops, your LTV rises. When it reaches a certain threshold, Nexo automatically repays part of your Credit Line using a portion of your collateral — helping you maintain balance.

Learn more in our Help Center article.

Can I add, remove, or swap collateral?

Yes, you can add more crypto to lower your LTV, remove part of your collateral when your line is healthy, or swap collateral to exchange assets without closing your Credit Line.

What is an automatic repayment?

When your collateral value drops, a portion of it automatically covers the owed amount, reducing your balance and keeping your Credit Line stable. Learn more in our dedicated Help Center article.

How do I repay my Credit Line?

You can repay your Credit Line anytime — in crypto or stablecoins. You only pay interest for the days you use your Credit Line and for the amount you’ve actually borrowed. Once you repay, your borrowing limit refreshes automatically, so you can draw funds again whenever you need them. Find more details in our dedicated Help Center article.

When do I get my collateral back?

Once your Credit Line is fully repaid, your collateral becomes available immediately. You can withdraw it, keep it in your Nexo account, or continue using it for future borrowing needs.

Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology to shape the next generation of wealth. Create your account today and get started.
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Utilize the entire Nexo ecosystem to actively grow your wealth.

Futures

Capitalize on uptrends and downtrends with perpetuals.

Crypto card

Spend without selling your digital assets.

Exchange with Nexo

Swap a wide range of digital assets seamlessly with a tap.