Provider comparison
Crypto.com Earn vs Nexo: compare risk grade, apy, fees, regulation, and custody in one head-to-head table.
Crypto.com Earn offers users the opportunity to earn interest on their cryptocurrency deposits. It is a popul…
Nexo offers crypto interest accounts and instant credit lines, but it is not a non-custodial service and its …
Risk grade
Crypto.com Earn
Nexo
APY
Crypto.com Earn
Nexo
Base vs max rate
Crypto.com Earn
Nexo
Assets
Crypto.com Earn
Nexo
Lock-up / unbonding
Crypto.com Earn
Nexo
Custody
Crypto.com Earn
Nexo
Liquid-staking token
Crypto.com Earn
Nexo
Payout frequency
Crypto.com Earn
Nexo
US access
Crypto.com Earn
Nexo
| Feature | Crypto.com Earn | Nexo |
|---|---|---|
| Risk grade | BBB | BB |
| APY | Flexible ~1-4%, fixed-term and CRO-locked tiers higher (directional) | Base ~4-8% APR on stablecoins, up to ~12-16% on top loyalty tier (directional); labeled APR, compounds daily |
| Base vs max rate | Higher rates require CRO stake + fixed lock; flexible base is modest | Wide max-vs-base gap: headline rate requires holding NEXO token loyalty tier + fixed-term lock; base flexible rate is much lower |
| Assets | BTC, ETH, USDT, USDC and 250+ assets | BTC, ETH, USDT, USDC, and 30+ assets/stablecoins |
| Lock-up / unbonding | Flexible (1-day) or fixed 1-3 months | Flexible (instant) or fixed-term (1-3 months) for higher rate |
| Custody | Publishes third-party PoR audits; Earn deploys assets (counterparty risk) | Real-time attestation dashboard (Armanino historically; now other auditors); assets ARE rehypothecated to generate yield, this is counterparty risk |
| Liquid-staking token | None (CeFi) | |
| Payout frequency | Weekly | Daily |
| US access | Partial, Crypto.com operates in the US but Earn/rewards availability varies by state/product | No, exited US retail after 2023 SEC/state settlement |
Crypto.com Earn
Crypto.com Earn offers users the opportunity to earn interest on their cryptocurrency deposits. It is a popular product for those looking to generate passive income from idle digital assets.
Nexo
Nexo offers crypto interest accounts and instant credit lines, but it is not a non-custodial service and its availability to US users is unclear. Always verify current regulations and your own eligibility before signing up.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
Line up any two providers side by side, or browse the full list to find your next platform.
