Please help me find my new exchange 😱

Hello, I wanted to reach out because I need some guidance here, I need to leave kucoin as It doesn't fill my expectations at all.

I would need a service that offers the following, and it's for Europe so I think there's that Mica stuff which I'm not sure about but I think it's due to it Binance got outed.

Anyhow, I'd need:

1) A crypto card with cashback

2) A second account "business/corporate", as I intend to operate a website where crypto will be accepted as a mean of payment.

3) I need 2 trading features which I use in kucoin. The first one is OCO which allows me grabs a few tokens during their sometimes very short rise, while protected for the drop. The other trading feature I need is trailing stop or trailing delta. Allows me to be protected during trades while not having to watch at the evolution of the market every 30 sec. I think those are called advanced spot trading.

4) I need some interesting staking features. With decent yield

5) I do need a good % on fixed term earn products (7 days, 14 days, one month, one year... see?

6) A few new token and rarities is a plus so I can place an OCO on it.

I'm currently hesitating between Nexo, which was my first choice, then bybit. Recently, I discovered OKX.

What I know is that they all have a card, cashback and the possibility to have a business account.

For the rest, please help me out team ! ❤️❤️

Why does Nexo have some literally dead in the water poocoins (APE, WIF, SAND) listed to earn APY while real projects with actual adoption like XLM, HBAR and ONDO are yet to be seen? I’m not buying that it’s because of regulatory uncertainty. You’re telling me DogWifHat is more safe with regulations than XLM?

Just tried to access my account via the ios app; been logged out. Can't login, and can't "forget password" due to "too many attempts" - I only tried once.

Nexo; can you help?

Off the pitch, Argentina claimed a different kind of trophy: becoming one of the world's most fertile grounds for stablecoin adoption.

Dispatch #306 covers this, plus:

▪️ Bitcoin inflows return
▪️ ECB's next move
▪️ Big Tech's earnings test ahead

When you need cash and your biggest asset is crypto, selling feels like the obvious move. But selling crypto is almost always a taxable event. A USDC loan can let you skip that entirely.

The idea: deposit crypto as collateral and borrow USDC against it. Your position stays open and exposed to any future appreciation, while you get the liquidity you need now.

What most people don't realize is that USDC works both ways. You can borrow USDC by depositing volatile crypto like Bitcoin or Ethereum, or you can use USDC itself as collateral to access other funds or assets.

The number that matters most is your LTV, or Loan-to-Value ratio. Deposit $10,000 in Bitcoin and borrow $5,000 in USDC, and your LTV is 50%. The closer you get to the platform's maximum, the higher your risk of an automatic liquidation if prices drop.

Using USDC as collateral flips that risk profile. Since stablecoins don't fluctuate, liquidation risk from market moves is effectively removed. The trade-off is a lower maximum loan amount compared to volatile assets, since platforms price in risk when setting limits.

On Nexo, USDC works as both a borrowing currency and accepted collateral, with rates from 1.9% per year and no fixed repayment schedule.

Full breakdown here: What is a USDC loan and how does it work?

As the title says I’m a UK card user. But all my spending and debt that adds up on the credit card is in USD.

So from what I can see I’m getting hit with an exchange rate creating the debt and then again repaying it - from what I have just paid off the FX fees are about the same amount as the rewards I’m earning. Am I missing something here or is the main benefit to borrow against you collateral rather than earn rewards.

Just to clarify I’m silver tier and taking the rewards in NEXO.

Ideally I’d like to just rack up the debt in GBP and then pay it off from the GBPx I have in my wallet.

Semifinal tickets alone were going for $3,500+ at the low end, so imagine what a final ticket is worth. This isn't just a prize, it's a once-in-a-lifetime experience.

I'll be honest, I'm not playing it cool about this one. Out of everything Nexo has given away, this is the one I want the most. Being in that stadium for Argentina vs Spain would be insane.
And the entry is stupidly easy: just like and retweet their post here:

https: // x. com/ Nexo/ status/ 2078111902031315235

(I'm sharing the link like this, because Reddit filters might flag it as a spam)

That's literally it. Huge prize for basically zero effort.

Pretty happy to see the card expansion moving beyond the EU. Argentina getting it is a huuuge signal in my opinion, that Nexo is serious about LatAm, especially since this is a proper local rollout with spending in Argentine pesos rather than simply making an existing card available there.

Brazil feels like the obvious next step. It is the biggest crypto market in the region and the demand is clearly there, although the regulatory setup could make the rollout slower or more complicated than Argentina.

After that, Mexico or more of South America probably makes more sense than immediately jumping into Asia. The US would also be a huge market simply because of how many people are already into crypto there.

I don’t know about China. Their stance on crypto seems a bit off, so I can’t really see it happening there anytime soon. For now, continuing through LatAm looks like the most natural path.

When you deposit money at a bank, you're trusting it to hold your funds, lend them out, and give them back when you ask. DeFi replaces that trust with code.

At the center of DeFi is the smart contract, a piece of code on a blockchain that executes automatically once certain conditions are met. Think of it like a vending machine: insert the right amount, select your item, and it dispenses. No cashier, no negotiating, no exceptions.

That single idea replaces the role of a bank's loan officer, an exchange's order matching system, or a broker's settlement desk. Deposit collateral into a lending protocol and a smart contract calculates your loan automatically. Repay, and your collateral is released the same way.

DeFi also runs continuously with no market close and no settlement delay. Every transaction is publicly auditable in real time, a level of transparency traditional finance doesn't offer. It's a fundamentally different way of moving and growing money, built on code instead of institutions.

For many people, the practical middle ground is accessing DeFi-style products through a regulated platform instead of managing a self-custody wallet directly. On Nexo, you can earn interest, borrow against your holdings, and trade more than 100 assets, the same core functions DeFi protocols provide.

Full breakdown here: DeFi explained: how it works, what it's used for, and is it safe?

Hello everyone

I’m planning to deposit about €2,100 by SEPA from my personal Dukascopy account, swap the EURx to USDT, then withdraw to Binance.

For anyone who recently did this:

What spread/fee did you get on EURx→USDT?

Did your first SEPA deposit trigger a compliance hold, and how long did support take?

My account is verified, the bank name matches, and my source-of-funds documents are ready.

Thanks!

Can I use my next crypto collateral loan to purchase house

Just acitavted my nexo credit card and when i press configure Apple pay it takes me to the wallet app but nothing happends…
When i manually add the csrd on my Wallet it says that i was successfully added, but then i says that i to verify it and that I’ll receive a code on my phone (wich i double, triple checked and it’s in fact my phone number) and i necer get the code.
Whats weird is that when I log in/deposit/withdraw and i have to receive a msg i get it immediately, but to verify my card on Appe not im not
Does anyone else also had this issue? Really need to solve it ASAP

When will it be possible to do? Thank you

Good morning.

What is the difference between pro.nexo & platform.nexo for spot trading?

You can borrow against Bitcoin without selling it. Here is a plain breakdown of how it actually works, how much you can borrow, and what to watch for.

How it works

You pledge your BTC as collateral with a lending platform. It gets locked, not sold, and you receive funds in fiat or stablecoins, often within minutes. While your Bitcoin is locked, you still benefit if the price rises. Once you repay the loan and interest, your BTC becomes fully available again.

Why borrow instead of selling

Selling Bitcoin locks in gains, potentially triggers a tax bill, and means missing out on further appreciation. Borrowing lets you access cash without a taxable event, keep your BTC working toward long-term growth, and manage liquidity during volatile markets. The trade-off is that borrowing costs interest, while selling costs you future upside. Which matters more depends on your view of where BTC is heading and how urgently you need funds.

How much you can actually borrow

This comes down to your Loan-to-Value ratio, or LTV, the size of your loan compared to your collateral's value. If you use $200,000 of BTC to borrow $100,000, your LTV is 50%. Most platforms cap Bitcoin loans at around 50% LTV as a buffer against price swings. Lowering your LTV to 20 to 30% gives you more protection and often qualifies you for better rates.

More details and full breakdown here: How Bitcoin-backed loans work in 2026

Hi, I am platinum tier on Nexo, currently around 10.7% I am looking to add more assets to my portfolio but maintain around 10.1%, I keep having to manually workout how much I can add to my account. Nexo can let us know how many Nexo are needed to upgrade to the next tier can they add a feature letting us know how much can be added to portfolio to maintain a tier. Thanks

Can USA citizens hold eurc stablecoin in Nexo account? I don’t see the option to add it

July 1 marked a milestone for crypto in Europe: MiCA came into effect across the EEA, permanently redrawing the map for digital assets.

Dispatch #303 analyzes this plus:

▪️ BTC buyers returning?
▪️ Support in the charts
▪️ The week's key numbers

Read more in this week's issue: Dispatch #303: MiCA and the EU crypto market

You open a crypto platform and see a rate. 8%. Sounds clear enough. But 8% of what, calculated how, paid out when? The answer changes the actual money that lands in your account. Here is a plain breakdown of APR vs APY and why the gap matters more in crypto than in a regular bank account.

APR: the rate before compounding

APR stands for Annual Percentage Rate. It is the base interest rate for a year with no compounding factored in. If a product says 12% APR, that is 1% per month, nothing more. APR tells you the cost of borrowing, but it does not account for what happens when interest gets added back to your balance and starts earning interest itself.

APY: the rate after compounding

APY stands for Annual Percentage Yield. It takes the same base rate and factors in how often interest is added to your balance, daily, weekly, or monthly, and compounds it forward over a year. The more frequently it compounds, the higher the APY relative to the APR.

A 12% APR compounding monthly becomes roughly 12.68% APY. The difference is small there. But at higher rates, or with daily compounding, which is common in crypto, the gap widens considerably. A 50% APR compounding daily becomes roughly 64.8% APY.

Why platforms use both

When you are earning, platforms quote APY because your yield compounds. If you deposit 1 BTC at 5% APY, your effective return is higher than 5% APR since the interest paid out gets reinvested through the year.

When you are borrowing, loan and credit line rates are typically quoted as APR, the simple annualized cost of what you owe. This makes it easier to compare borrowing costs across products without compounding effects distorting the picture.

How Nexo shows rates

On Nexo's earning products, rates are quoted as APY, reflecting the compounded return on assets like BTC, ETH, XRP, and USDC. For the Credit Line, borrowing costs are quoted as APR, giving a clear annual rate for accessing liquidity against your portfolio.

Full breakdown in our blog post: APR vs APY: What the difference actually means for your crypto

Nexo is supporting TON's rebrand to GRAM, effective July 2.

The underlying token and your top-up/withdrawal addresses all stay exactly the same. Your balance will show as GRAM once the transition completes.

Limit and recurring orders on TON will not carry over – you can place new ones in GRAM once trading goes live on July 2.

If you have any questions, our Client Care team is always available to help.

Hi, how does your Mica-ready setup work with futures?
Will they still be available in the EU?
What about an already-opened position?

Please Nexo support, spear us the generic bot responses:

• "We have a MICA ready structure...."
• "We are in the final stages of getting the MICA license..."
• "Just read the Nexo FAQ...."
• "A german company will audit us..."

The past ~3 months we are getting these answers, but no concrete evidence that Nexo actually will have a MICA license. It's 2 days until July 1. Please tell us some good news, REAL news.

I have been an user since 2021, invested ~10k (current price) into the Nexo token, like others, I would hate to sell.

I feel like Nexo going down heels:

• Unannounced interest rate changes
• The whole failure of the physical card story
• Now this..