Yield
Nexo
Nexo advertises some of the highest stablecoin rates around — 8% on USDT and USDC — and unlike many high-rate lenders it does publish real-time proof-of-reserves and runs insurance arrangements on custodied assets. On those two co…
Why this grade
- ✗ Regulation
In January 2023 — SEC settlement of $45M over securities-law violations (the Earn Interest product was deemed an unregistered security). Source →
- ✓ Proof-of-Reserves
Publishes a daily Real-Time Attestation by Moore (replaced Armanino in late 2022). Reserves cover liabilities 100%+. Source →
- ✓ Flexible withdrawal
Flexible Earn is available for most assets. Fixed-term offers a higher rate but with a lock. Source 1 → Source 2 →
- ✓ Insurance Fund
$775M insurance via BitGo and Ledger Vault. Covers all hot-wallet assets. Source →
- ✗ Track record (2+ years incident-free)
SEC settlement January 2023 ($45M fine). Bulgarian authorities raided Nexo's Sofia offices in January 2023. Closed US products after regulatory pressure; relaunched in the US in February 2026 with a compliant framework via Bakkt. Source 1 → Source 2 → Source 3 →
All Nexo products
Yield products
as of Jul 17, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDT | 5.5 % | flexible | — | Open Nexo → |
| USDC | 5.5 % | flexible | — | Open Nexo → |
| ETH | 3.25 % | flexible | — | Open Nexo → |
| BTC | 2.0 % | flexible | — | Open Nexo → |
| SOL | 4.0 % | flexible | — | Open Nexo → |
| XRP | 3.75 % | flexible | — | Open Nexo → |
| ADA | 3.5 % | flexible | — | Open Nexo → |
| TRX | 4.25 % | flexible | — | Open Nexo → |
| DOT | 8.5 % | flexible | — | Open Nexo → |
| LINK | 2.5 % | flexible | — | Open Nexo → |
| AVAX | 4.0 % | flexible | — | Open Nexo → |
| LTC | 4.0 % | flexible | — | Open Nexo → |
| ATOM | 6.0 % | flexible | — | Open Nexo → |
What would Nexo pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
Nexo review: what this platform is
Nexo advertises some of the highest stablecoin rates around — 8% on USDT and USDC — and unlike many high-rate lenders it does publish real-time proof-of-reserves and runs insurance arrangements on custodied assets. On those two counts it is more transparent than the average yield platform.
But we grade it C, and the reason is its record. In January 2023 Nexo reached a $45M settlement with the US SEC over its Earn Interest product (which was shut down for US users), and in October 2022 Bulgarian financial police raided its offices over money-laundering and tax allegations. Neither is a loss of customer funds, but both are exactly the regulatory and track-record red flags our checks are built to catch.
The deeper issue is the model: Nexo pays yield by lending out deposits, the same structure that sank Celsius and BlockFi. Proof-of-reserves shows assets exist on a date; it does not prove the loan book is sound. Treat the 8% as a higher-risk rate, not a free upgrade over a regulated 4%. This review is not investment advice.
How Earn works on Nexo
Nexo's Earn rates are flexible and start from $1, with 8% on USDT and USDC, 5% on ETH and 4% on BTC. Top tiers often require holding Nexo's own token or locking funds — read the conditions, because the headline 8% may assume a loyalty tier you don't qualify for.
Rates float and the program's terms have changed before under regulatory pressure (the US Earn shutdown). Verify the current rate and your eligibility on Nexo before depositing.
How to start on Nexo, step by step
- 01Keep position sizes small — never deposit funds you can't afford to lose.
- 02Check whether the headline rate requires holding the NEXO token or a loyalty tier.
- 03Verify current terms and your country's eligibility on Nexo — and don't treat proof-of-reserves as a guarantee of the loan book.
Should you park money here?
- +High stablecoin rates (8% on USDT/USDC), flexible, $1 minimum
- +Publishes real-time proof-of-reserves — more transparent than most high-rate lenders
- +Insurance arrangements on custodied assets
- −$45M SEC settlement (2023) over its Earn product; closed for US users
- −Bulgarian police raid (2022) over money-laundering and tax allegations
- −Yield comes from lending deposits — the same model that sank Celsius and BlockFi
- −Top rates often require holding the NEXO token or a loyalty tier
Compare Nexo with others
Asset-by-asset rates and risk grades