Provider comparison
Celsius / BlockFi / Voyager (collapsed) vs Nexo: compare risk grade, apy, fees, regulation, and custody in one head-to-head table.
Once leading crypto earn platforms, Celsius, BlockFi, and Voyager collapsed due to risky lending and lack of …
Nexo offers crypto interest accounts and instant credit lines, but it is not a non-custodial service and its …
Risk grade
Celsius / BlockFi / Voyager (collapsed)
Nexo
APY
Celsius / BlockFi / Voyager (collapsed)
Nexo
Base vs max rate
Celsius / BlockFi / Voyager (collapsed)
Nexo
Assets
Celsius / BlockFi / Voyager (collapsed)
Nexo
Lock-up / unbonding
Celsius / BlockFi / Voyager (collapsed)
Nexo
Custody
Celsius / BlockFi / Voyager (collapsed)
Nexo
Payout frequency
Celsius / BlockFi / Voyager (collapsed)
Nexo
US access
Celsius / BlockFi / Voyager (collapsed)
Nexo
| Feature | Celsius / BlockFi / Voyager (collapsed) | Nexo |
|---|---|---|
| Risk grade | BB | |
| APY | Base ~4-8% APR on stablecoins, up to ~12-16% on top loyalty tier (directional); labeled APR, compounds daily | |
| Base vs max rate | 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 30+ assets/stablecoins | |
| Lock-up / unbonding | Flexible (instant) or fixed-term (1-3 months) for higher rate | |
| Custody | Real-time attestation dashboard (Armanino historically; now other auditors); assets ARE rehypothecated to generate yield, this is counterparty risk | |
| Payout frequency | Daily | |
| US access | No, exited US retail after 2023 SEC/state settlement |
Celsius / BlockFi / Voyager (collapsed)
Once leading crypto earn platforms, Celsius, BlockFi, and Voyager collapsed due to risky lending and lack of transparency. This review examines what went wrong and how to choose safer earn products.
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.
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