Nexo Loyalty Tiers Explained: Base vs Silver vs Gold vs Platinum
Nexo pays different interest rates depending on how much of your portfolio is held in NEXO tokens. Here's exactly what each tier requires, what it pays, and how to tell if upgrading is actually worth it for you — not just in percentages, but in real money.
The short version
Nexo's Loyalty Program has four tiers — Base, Silver, Gold, and Platinum. The tier you sit in is determined by what share of your total portfolio value is held in the NEXO token itself. The more NEXO you hold relative to your other assets, the higher your tier, and the higher the interest rate you earn on everything else in your account.
| Tier | NEXO holding required | NEXO bonus (earn in NEXO) | Example: BTC flexible APY |
|---|---|---|---|
| Base | 0% | +0% | ~4% |
| Silver | 1–5% | +0.25% | ~4.5% |
| Gold | 5–10% | +1% | ~5% |
| Platinum | 10%+ | +2% | ~6% |
Rates shown are illustrative examples only. Nexo's actual published rates vary by asset and change over time — always confirm current figures on nexo.com before making decisions.
What each tier actually requires
Requirement: No minimum NEXO holdings
Best for: New users, or anyone who doesn't want NEXO token price exposure
Requirement: 1–5% of portfolio in NEXO
Best for: A small, low-cost step up with minimal added NEXO exposure
Requirement: 5–10% of portfolio in NEXO
Best for: Users comfortable holding a meaningful NEXO position long-term
Requirement: 10%+ of portfolio in NEXO
Best for: Larger portfolios where the absolute yield gain justifies concentrated NEXO exposure
Two requirements people miss
Beyond the tier thresholds, Nexo applies two portfolio-wide minimums that catch a lot of new users out:
- $5,000 minimum total portfolio balance to participate in the Loyalty Program at all.
- $500 minimum per individual asset for that specific asset to earn interest — holding $50 of an obscure altcoin won't earn anything, even at Platinum.
The "earn in NEXO" bonus is a separate lever
Don't confuse your tier with the earn in NEXO toggle — they're two different things that stack. Your tier is set by how much NEXO you already hold. The earn-in-NEXO option is a choice about how you want your interest payments delivered: in the same asset you deposited, or converted into NEXO tokens.
Choosing to earn in NEXO adds a bonus on top of your tier's base rate — +0% at Base, +0.25% at Silver, +1% at Gold, and +2% at Platinum. It's effectively a second reward for taking on more NEXO exposure, this time through your interest payments rather than your principal.
Is upgrading actually worth it?
This is where most people get it wrong: they compare tiers by percentage point differences, without asking what that difference is worth in their actual currency, for their actual portfolio size, factoring in the NEXO tokens they'd need to buy and hold to get there.
A 1% APY difference on a $2,000 portfolio is $20 a year. The same 1% on $50,000 is $500 a year — but getting there might mean holding $5,000+ in NEXO tokens, which carries its own price risk independent of your other holdings. There's no single right answer; it depends entirely on your numbers.
The fastest way to answer this for your own portfolio: plug your real holdings into a calculator that shows every tier side by side, in your own currency, with the NEXO bonus applied correctly.
Compare all four tiers with your numbers →Common questions
How is my Nexo loyalty tier calculated?
By the percentage of your total portfolio value held in NEXO tokens — Base needs none, Silver needs 1–5%, Gold needs 5–10%, Platinum needs 10% or more.
What's the minimum balance to earn interest on Nexo?
A $5,000 total portfolio balance to join the Loyalty Program, and at least $500 in any individual asset for that asset to start earning.
Does the NEXO bonus apply to the NEXO token itself?
No — the earn-in-NEXO bonus applies to interest on your other assets. It doesn't apply when the asset you're earning on is already NEXO.
Do rates change over time?
Yes, Nexo adjusts published rates periodically. Always check current figures on nexo.com, or use a tool that pulls live rates, before making a decision based on this guide.
Should I buy more NEXO tokens just to reach a higher tier?
Not automatically — a higher tier does pay better rates, but qualifying for it usually means holding NEXO tokens whose price can move on its own, independent of your other holdings. For a full walkthrough of that trade-off, including real-number examples at different portfolio sizes, see our Is It Worth Holding More NEXO Tokens? guide.
Should I use flexible or fixed terms on Nexo?
It depends on how soon you might need the funds. Fixed terms pay a bonus for locking your crypto for 1, 3, or 12 months, but you generally can't withdraw early. See our Flexible vs Fixed Terms guide for the full breakdown.
See what each tier is worth for your portfolio
Enter your real holdings and compare Base, Silver, Gold and Platinum side by side — in your own currency, updated with live prices.
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