name: Nexo FinOps Framework
description: >-
  FinOps Framework FOCUS-aligned cost and financial operations reference for
  Nexo API integrations. Covers cost drivers for the Nexo Pro Trading API and
  Nexo Payment Gateway API, including trading fees, borrow costs, earn revenue,
  and merchant payment processing costs.
specificationVersion: '1.0'
schema: FOCUS
currency: USD
services:
  - name: Nexo Pro Trading API
    description: >-
      API costs for trading operations on Nexo Pro. Trading fees vary by loyalty
      tier (Base, Silver, Gold, Platinum) with Platinum tier offering 0.5%
      rebates. Fee rebates reduce effective transaction costs for active traders.
    costDrivers:
      - name: Spot Trading Fees
        description: >-
          Fees charged per spot trade executed via the API. Maker and taker fees
          apply to spot market orders. Exact fee schedules vary by tier and
          trading volume.
        unit: per-trade
        billingModel: usage-based
        tierDiscount: true
        notes: >-
          Platinum tier users receive the highest trading fee rebates (0.5%).
          Lower tiers receive proportionally smaller rebates.
      - name: Futures Trading Fees
        description: >-
          Fees charged for futures contract trades placed via API endpoints.
          Applied to each futures order executed.
        unit: per-trade
        billingModel: usage-based
      - name: API Key Management
        description: >-
          No cost for creating API keys. Each user may create up to 5 API keys
          at no charge. API access itself does not carry a direct subscription
          fee.
        unit: flat
        price: 0
        currency: USD
  - name: Nexo Credit Lines (Borrow)
    description: >-
      Interest costs for crypto-backed credit lines accessed programmatically or
      via the platform. Interest rates range from 2.9% to 18.9% APR depending
      on loyalty tier and portfolio size.
    costDrivers:
      - name: Crypto Credit Line Interest
        description: >-
          Annual percentage rate (APR) charged on outstanding loan balances
          backed by crypto collateral.
        unit: annual-percentage-rate
        billingModel: interest-based
        tiers:
          - tier: Base
            rateMin: 13.9%
            rateMax: 18.9%
            condition: Less than 1% portfolio in NEXO tokens
          - tier: Silver
            condition: At least 1% portfolio in NEXO tokens
          - tier: Gold
            condition: At least 5% portfolio in NEXO tokens
          - tier: Platinum
            rateMin: 2.9%
            condition: At least 10% portfolio in NEXO tokens
  - name: Nexo Earn (Interest Revenue)
    description: >-
      Revenue generated from interest-bearing crypto asset products. These
      represent income to the API consumer, not a cost. Rates vary by asset
      type, term (flexible vs. fixed), and loyalty tier.
    costDrivers:
      - name: Flexible Earn
        description: >-
          Variable-rate earn product on crypto assets with no lock-up period.
          Rates are lower than fixed-term products.
        unit: annual-percentage-yield
        billingModel: yield-based
        direction: revenue
      - name: Fixed-Term Earn
        description: >-
          Higher-rate earn product with a defined lock-up period. Offers the
          highest APY rates on the platform (up to 14% on USDC, 7% on BTC,
          8% on ETH at Platinum tier).
        unit: annual-percentage-yield
        billingModel: yield-based
        direction: revenue
  - name: Nexo Payment Gateway API
    description: >-
      Cost model for merchants using the Nexo Payment Gateway to accept crypto
      payments. Nexo advertises flexible, transparent fee structures with no
      publicly listed fixed rates. Merchants receive funds that can be withdrawn
      to wallets or converted to fiat (USD, EUR, GBP).
    costDrivers:
      - name: Merchant Transaction Fees
        description: >-
          Per-transaction fees charged on incoming crypto deposits processed
          through the payment gateway. Specific rates are not publicly listed
          and require merchant onboarding agreement.
        unit: per-transaction
        billingModel: usage-based
        notes: >-
          Fee structure is described as "flexible and transparent." Contact Nexo
          merchant services for specific rate schedules. No sandbox environment
          is available; all testing occurs in production.
      - name: Fiat Conversion Fees
        description: >-
          Fees associated with converting received crypto to fiat currencies
          (USD, EUR, GBP) for merchant withdrawals.
        unit: per-conversion
        billingModel: usage-based
optimization:
  - recommendation: Use Platinum loyalty tier to minimize borrow APR and maximize trading fee rebates
    impact: high
    effort: medium
  - recommendation: Elect to receive Earn interest in NEXO tokens for higher yield rates
    impact: medium
    effort: low
  - recommendation: Consolidate API keys to stay within the 5-key limit and manage rate limits efficiently
    impact: low
    effort: low
  - recommendation: Prefer fixed-term Earn products for higher APY when liquidity needs are predictable
    impact: medium
    effort: low