name: Nexo Plans and Pricing
description: >-
  Nexo uses a loyalty tier system based on the percentage of a user's portfolio
  held in NEXO tokens. Tiers determine earn rates on crypto assets, borrow rates
  for credit lines, trading fee rebates, cashback on the Nexo Card, and free
  crypto withdrawals. The Payment Gateway is available to businesses separately
  with flexible, transparent fee structures.
specificationVersion: '0.1'
plans:
  - name: Base Tier
    description: >-
      Entry-level tier for users holding less than 1% of their portfolio in NEXO
      tokens. Provides access to all core platform features including crypto
      credit lines, earn products, and trading.
    url: https://nexo.com/pricing
    price: Free
    pricingModel: loyalty-based
    features:
      - Earn interest on crypto assets (base rates)
      - Borrow against crypto collateral (up to 18.9% APR)
      - Access to Nexo Pro trading platform
      - Nexo Card with 0.5% crypto cashback
      - Access to swap and exchange features
      - Payment Gateway API access (merchants)
  - name: Silver Tier
    description: >-
      Activated when at least 1% of a user's portfolio is held in NEXO tokens.
      Provides improved earn rates, lower borrow rates, and enhanced benefits.
    url: https://nexo.com/pricing
    price: Free
    pricingModel: loyalty-based
    minimumNexoTokenRatio: 1%
    features:
      - Higher earn rates on crypto assets
      - Lower borrow rates (reduced APR)
      - Improved trading fee rebates
      - Enhanced Nexo Card cashback
      - Priority customer support
  - name: Gold Tier
    description: >-
      Activated when at least 5% of a user's portfolio is held in NEXO tokens.
      Provides significantly improved rates and additional platform benefits.
    url: https://nexo.com/pricing
    price: Free
    pricingModel: loyalty-based
    minimumNexoTokenRatio: 5%
    features:
      - Higher earn rates on crypto assets
      - Lower borrow rates
      - Increased trading fee rebates (up to 0.3%)
      - Higher crypto cashback on Nexo Card
      - Additional free crypto withdrawals per month
  - name: Platinum Tier
    description: >-
      Top loyalty tier requiring at least 10% of portfolio in NEXO tokens.
      Provides the best rates available on the platform including up to 15% APY
      on stablecoins and borrow rates as low as 2.9% APR.
    url: https://nexo.com/pricing
    price: Free
    pricingModel: loyalty-based
    minimumNexoTokenRatio: 10%
    features:
      - Up to 14% APY on USDC and stablecoins
      - Up to 7% APY on BTC
      - Up to 8% APY on ETH
      - Borrow rates as low as 2.9% APR
      - 0.5% trading fee rebates
      - 2% cashback on Nexo Card purchases
      - 1 free crypto withdrawal per month
      - Real-time analytics and on-chain signals via Nexo Pro
      - Exclusive access to premium features