Nexo is one of the best-known crypto savings platforms in the European market. In November 2025 it restructured its rates significantly: USD stablecoins went up, EUR stablecoins went down, and assets like BTC and ETH improved notably. We have just updated and verified its rates for 2026 in APYData.
Current verified rates — April 2026
| Asset | Base rate (flexible) | Change vs 2025 |
|---|---|---|
| USDC | 8.00% | ▲ +2.50pp |
| USDT | 8.00% | ▲ +2.50pp |
| ETH | 5.00% | ▲ +1.75pp |
| BTC | 4.00% | ▲ +2.00pp |
| EURC | 4.00% | ▼ −1.50pp |
Base rates without NEXO tokens. With the Platinum tier (≥10% of portfolio in NEXO), rates can nearly double. The EURC drop reflects Europe's lower rate environment; the USDC/USDT jump reflects higher demand for dollar liquidity in DeFi and institutional lending markets.
Security: what protects your money (and what doesn't)
Nexo publishes monthly proof-of-reserves attestations and has passed audits from Armanino and Hacken. In 2024 it resolved a $45M SEC settlement regarding unregistered securities. Crucially, no state deposit guarantee fund covers Nexo balances. If Nexo became insolvent, users would be unsecured creditors — exactly what happened to Celsius, BlockFi and Voyager in 2022.
Is Nexo worth it in 2026?
Yes, with caveats. For investors who already hold crypto and want yield without active DeFi management, Nexo remains one of the simplest and best-paying CeFi options. The 8% USDC base rate is especially compelling versus the ~2-3% offered by EUR fiat platforms.
The key risk is counterparty risk. Treat it as a higher-risk instrument within a diversified portfolio, not as a substitute for a guaranteed bank deposit for your core savings.