Maximize Your Crypto Returns with Fixed-Term Savings | Up to 16% APY

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In today’s fast-evolving digital economy, smart investors are turning to crypto fixed-term savings as a reliable way to grow their wealth. With competitive interest rates, predictable returns, and the power of compounding, these financial tools offer a strategic advantage for both long-term savers and active crypto participants.

Nexo’s Fixed-Term Savings program stands out by delivering up to 16% annual percentage yield (APY) on stablecoins like USDT and USDC — all within a secure, user-friendly ecosystem designed for modern investors.

👉 Discover how to grow your crypto holdings with high-yield savings options today.

Why Choose Crypto Fixed-Term Savings?

Fixed-term savings in the cryptocurrency space function similarly to traditional bank time deposits: you lock your digital assets for a set period — such as 1 month, 3 months, or 12 months — and earn guaranteed interest upon maturity. Unlike flexible savings accounts, fixed terms typically offer higher yields due to reduced liquidity.

This model is ideal for those who want to:

With Nexo's industry-leading rates and seamless user experience, users can optimize returns without constant monitoring or complex strategies.

Core Supported Assets & Interest Rates

Nexo supports a wide range of cryptocurrencies with attractive APYs based on asset type and loyalty tier. Some of the top available rates include:

These returns are significantly higher than most traditional savings vehicles, making them a compelling option for forward-thinking investors.

Unlock Higher Yields Through the Loyalty Program

To qualify for the best interest rates, users must maintain a minimum balance of $5,000 in their Nexo account and participate in the Nexo Loyalty Program. The program rewards long-term engagement with tiered benefits that enhance earning potential.

By holding NEXO tokens — the platform’s native utility token — users unlock additional perks including:

This creates a self-reinforcing cycle: the more you save and engage, the more you earn.

👉 See how you can boost your returns with structured crypto savings plans.

Flexible Yet Predictable: Customize Your Strategy

One of the key advantages of Nexo’s fixed-term offerings is flexibility within structure. Even after locking funds, users retain some control over their investments.

For example:

Additionally, users can choose between receiving interest payouts in the original asset or in NEXO tokens, depending on their financial goals and risk appetite.

Automate Growth with Compound Interest

Wealth building becomes effortless when you enable auto-renewal and compound interest features.

Here’s how it works:

  1. At maturity, your principal automatically rolls into a new fixed term of the same duration.
  2. Earned interest is transferred to your savings wallet — or, if enabled, reinvested along with the principal.
  3. Over time, this compounding effect accelerates wealth accumulation.

Imagine investing $700,000 at a 14% APY. After 10 years with compounded returns, your total balance could reach approximately **$1.2 million** — assuming consistent rates and no withdrawals.

Note: All figures are illustrative estimates. Actual returns may vary based on market conditions, rate changes, and account activity. Always conduct independent research before making financial decisions.

Integrate With Broader Financial Goals

Crypto savings shouldn’t exist in isolation. Nexo enables holistic portfolio management by integrating fixed-term savings with other financial tools:

Use Savings as Collateral

Fixed-term deposits can serve as backup collateral for Nexo’s instant crypto-backed credit lines. This means you can access liquidity without selling your assets — preserving your investment position while still earning interest.

Simplify Tax Compliance

Partnering with platforms like Koinly, Nexo helps users generate automated tax reports, streamlining year-end compliance and saving hours of manual tracking.

This level of integration makes Nexo not just a savings platform, but a comprehensive digital wealth management solution.

Frequently Asked Questions (FAQ)

What is the difference between Flexible Savings and Fixed-Term Savings?

Flexible Savings allow instant access to your funds with daily compounding interest. Fixed-Term Savings require locking assets for a predetermined period (e.g., 1–12 months) in exchange for higher interest rates. During the lock-up period, these assets cannot be withdrawn or used as collateral.

How do I start earning interest on my crypto?

To begin earning, ensure your account holds over $5,000 worth of eligible digital assets and activate the interest-earning feature in your Nexo dashboard. Once enabled, you can select your preferred term and asset type.

Can I withdraw my funds early from a fixed-term deposit?

Early withdrawal is not supported. However, you can switch your current fixed-term position to another term before it matures — allowing strategic reallocation without breaking the lock.

What happens when my fixed term ends?

Upon maturity, interest is paid out according to your selected preference (same asset or NEXO token). If auto-renewal is enabled and your balance exceeds $5,000, the principal will roll into a new term.

How does compounding work with fixed-term savings?

By enabling "Reinvest Interest," both your principal and accrued interest are rolled over into the next term. This creates compound growth over successive cycles, maximizing long-term returns.

Are there any risks involved?

While Nexo employs robust security measures and custodial protections, crypto investments are subject to market volatility and regulatory changes. Interest rates are variable and may be adjusted at any time.

👉 Start building your future with secure, high-yield crypto savings options now.

Designed for the Future of Finance

Nexo caters to pioneers embracing blockchain-based wealth creation. Whether you're an individual investor seeking passive income or an institution exploring digital asset strategies, the platform offers a scalable, transparent environment built for long-term success.

With over $11 billion in assets under management, 24/7 personalized support, and continuous innovation, Nexo remains at the forefront of the decentralized finance revolution.

Take control of your financial journey — harness the power of fixed-term crypto savings and turn time into your greatest asset.

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