Is Nexo safe in 2025?

Nexo remains operational in 2025 and holds licenses in multiple jurisdictions. However, as with any CeFi platform, there's counterparty risk.

What can you do with Nexo?

You can earn interest on crypto, take crypto-backed loans, use a crypto card, and trade within the Nexo app.

Is Nexo better than competitors like YouHodler or Binance Earn?

Nexo offers a good mix of yield and security, but rates may be lower than some competitors. It’s ideal for moderate-risk users.

Nexo Review 2025 - Still a Solid Option for Passive Crypto Income?

Name: Nexo
Brand: Nexo

We take a deep look at Nexo in 2025: interest rates, security, features, and how it compares to other lending platforms.

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What Is Nexo?

Nexo is a centralized crypto platform offering lending, borrowing, and interest-earning services. Founded in 2018, it’s known for combining CeFi simplicity with a regulated structure. Users can deposit crypto or fiat and earn yields up to 12% annually.

Key Features & Benefits

Earn Yield: Up to 12% on stablecoins and 6%+ on BTC/ETH
Crypto Loans: Borrow instantly using crypto as collateral
Nexo Card: Spend without selling your assets
Loyalty Tiers: Higher yields and perks with NEXO token
Insured Custody: Assets secured by Ledger & Bakkt partners

How It Works

Once you deposit assets into Nexo, they are lent out to institutional borrowers or allocated to yield strategies. You earn interest daily, with compounding, and can access funds anytime or lock them for higher rates.

Nexo Loyalty Tiers

Nexo offers 4 tiers - Base, Silver, Gold, Platinum - depending on how much of your portfolio is held in NEXO tokens. The higher the tier, the better your interest rates, lower loan rates, and more cashback.

Platinum: 10% in NEXO → highest benefits
Gold: 5-10% in NEXO
Silver: 1-5% in NEXO
Base: <1% in NEXO

Risks to Consider

While Nexo is regulated and transparent, it still carries risks typical for CeFi platforms:

Counterparty Risk: Funds are lent out to other entities
No FDIC Insurance: Not protected like traditional banks
Regulatory Uncertainty: Ongoing global scrutiny of crypto lending

What Users Say

“I've been earning with Nexo since 2021. Daily payouts are smooth, and the card is super convenient for travel.” - Anna T., Germany

“I feel safe with Nexo, but I only use it for stablecoins and never keep 100% of my funds there.” - James M., Canada

Final Verdict

Nexo is still a strong CeFi player in 2025. While some yield rates dropped since 2022, its reliability, card benefits, and regulatory approach keep it competitive. It’s a solid passive income tool - especially for stablecoins.

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Nexo vs Alternatives

Platform	Yield	Card	Custody	Regulation
Nexo	6-12%	✅ Yes	Ledger/Bakkt	EU Licensed
YouHodler	7-13%	❌ No	Fireblocks	Switzerland
Binance Earn	1-7%	✅ Yes	Self-Custody	Global (varied)