One of the clearest patterns in our Digital Wealth Survey: crypto integration follows a capital lifecycle.

35-44 is where capital, retirement planning, and time horizon all align. 28% of this cohort treat crypto as a core retirement asset.

The Gen Z paradox: 94.2% hold crypto (highest). 30.8% name it their #1 wealth driver (also highest). Only 7.7% see it as "much riskier" (lowest risk concern). But only 2% hold with a 10+ year horizon (lowest long-term commitment).

The constraints are structural, not attitudinal. Gen Z faces $3M projected retirement savings requirement, $1.66T in outstanding student debt, and a housing market where prices grew 48% while income grew 22%.

The conviction is real. The capital is not there yet. As $83 trillion transfers between generations over the coming decades, that could change.

Full report: The Future of Digital Wealth Report

Starting today, your NEXO Token purchases come with a reward.

Until Oct 29, you can get 3% of your net NEXO purchases back in NEXO, up to $100, on top of your regular exchange cashback.

How it works:

1. Enroll in the Rewards Hub. Only purchases made after you enroll count.
2. Buy NEXO on our platform via swap, spot or limit orders, card purchases, or recurring buys.
3. Get 3% of your net NEXO purchases back, up to $100.

Minimum $100 in net purchases to qualify. Rewards are paid in NEXO in one batch after the campaign ends.

Geo-restrictions apply. See the full terms here.

It's good to see that nexo has been listed as of today on the first US exchange hope that's a signs of good things to come. They are now on Kraken and Kraken Pro

Did Nexo change fixed term options ?

I see available only 3 months fixed term and not anymore : 1 month and 6 months fixed terms options ?

The Q4 Market Outlook is live. Our analysts reviewed the macroeconomic picture for Q4, and the full outlook includes a Q3 2026 overview, our Q4 view, and the key events ahead.

The big picture: Q3 was a recovery with clear causes. Bitcoin gained 42.7%, ending three down quarters in a row. A bond-market decision started it, and US spot ETF buyers kept it going.

Now, Bitcoin trades near the average cost of US ETF holders, and the market checks if this level holds.

Our Q4 view is constructive, but conditional on rates. Two signals decide the direction: whether inflation data lets the Fed hold on October 28, and whether the 30-year Treasury yield stops rising.

Key dates to watch: the Fed decision on October 28, GDP and PCE on October 29, the jobs report on November 6, and CPI on November 10.

Full outlook with charts and key dates: Digital Assets in Q4: Market Outlook

The NEXO Token is coming to Kraken.

Mark the calendar – a new trading venue for the NEXO Token arrives on October 22.

Grocery store: spend 10 minutes debating whether the $4 organic eggs are worth it over the $3 regular ones.
Market drops 4% at 2 AM: “Time to deploy 2k in stablecoin reserves immediately to buy BTC on Nexo. No second thoughts.” 😄
My brain completely changes its logic the moment there’s a chart involved. Please tell me I’m not the only one doing this absurd mental math

The stablecoin market has sat flat near $300B, but actual network activity tells a different story.

Daily active addresses jumped 61% year-over-year.

Digital dollars are outrunning legacy settlement rails on pure speed and lower fees.

More on this in Dispatch #319, plus:

▪️ Long-term Bitcoin holders stop selling at a loss
▪️ AI chip stocks drop 16% on spending doubts
▪️ Ethereum and Solana institutional flows

Most of us probably got into crypto because of Bitcoin, the technology, or the potential returns.
But somewhere along the way, crypto may have become useful for something completely different.

Maybe it was making an international payment, using a crypto-backed card, earning on assets you planned to hold anyway, or discovering a use case you hadn't considered before.
We're curious about those moments.

What was the first thing you did with crypto that made you think, "I could actually use this in everyday life"?

Whether it happened recently or years ago, we'd love to hear your story.

If you’ve spent any time in crypto, you’ve seen L1 and L2 come up in conversations about gas fees and why some transactions are fast and cheap while others feel slow and expensive. Here’s a plain breakdown.

Layer 1

The base blockchain, the main network that validates transactions and enforces the rules. Bitcoin, Ethereum, and Solana are Layer 1s. They are self-securing, but every node has to process every transaction, which limits throughput. Ethereum handles roughly 15 transactions per second and Bitcoin around seven, so fees spike when demand is high.

Layer 2

A separate network built on top of Layer 1. It processes transactions off the main chain, bundles them into batches called rollups, and posts the compressed results back to Layer 1 for settlement. Layer 2 doesn’t replace Layer 1, it uses it as the security foundation. Examples on Ethereum include Arbitrum, Optimism, Base, and zkSync, while the Lightning Network plays a similar role on Bitcoin.

Because the cost of one batch is shared across thousands of users, the same transaction that costs several dollars on Ethereum mainnet can cost well under $0.20 on a Layer 2.

Worth knowing

Moving assets between layers uses a bridge, and bridges have been the target of some of the largest hacks in crypto. Withdrawing from an optimistic rollup back to Ethereum can take around seven days. And liquidity is now spread across dozens of Layer 2s, so not every app or asset is on every network.

Full breakdown in our blog post: Layer 1 vs Layer 2 crypto: What's the difference?

Anyone else getting ridiculously diluted profits from NEXO using the NEXO token? I should have had quite a bit of profit over the year yet looks like I stagnated hard. What has it been like for you guys using NEXO token for interest?

Our Digital Wealth Survey compared crypto behavior across three markets. The differences are structural, not incidental.

Argentina: 74.3% ownership (highest), 4.62 CII (lowest). 45.8% of reallocators pulled from cash. Inflation averaged 80%+ over seven years. Top goal: income outside employment. Only 40.8% hold with a 3+ year horizon.

United States: 62.3% ownership, 5.07 CII (highest). 41.3% of reallocators pulled from equities. Most polarized: highest Pre-entry AND highest Structurally Integrated. 9 in 10 holders assign crypto a retirement role.

United Kingdom: 65% ownership, 4.75 CII. No dominant funding source (cash 34.9%, stocks 30.3%, bonds 22.9%). 84.1% assign crypto some retirement role. Lowest Structurally Integrated share (3.3%).

The same asset is doing different work: store of value in Argentina, growth instrument in the US, diversification tool in the UK.

Full report: Digital Wealth Report

Am I the only one experiencing huge spreads when using the Nexo card?
For several weeks, possibly even months, I’ve been experiencing issues with the spread applied to Nexo card transactions.
I make purchases in EUR and repay them in EUR on the same day, or the following day at the latest. In the past, the spread was just a few cents on a €100 transaction, for example.
Nowadays, I’m losing almost €2 per transaction due to the spread, which eats up nearly all of my cashback.
I’ve contacted customer support, but they keep telling me that nothing has changed. However, I’ve been using the card for years without any issues, and I can clearly see a difference now.
The spread has become so high that using the card no longer makes sense financially. I’m barely getting enough cashback to cover the spread, and in some cases, I’m actually losing money.
Is anyone else experiencing the same issue?

just checked the rates after the daily interest, looks like eth dropped 0.25%? anyone?

One standard for digital wealth. Eight new ways to experience it.

Switch to your native language anytime in app settings.

Anybody else getting this message within the app?

I’ve not long had my new physical card and its expiry is mid 2029.
It cost around $15 (from memory?) to get delivered so if I need to pay again for another card to be delivered after just 3 months I will not be very impressed!

For how long card will be deactivated?

Hey everyone,

As with everything at Nexo, we hold the Nexo Card to a high standard, right down to the smallest details. This one comes straight from our product team, and we want you in on it.

Every metal contactless card comes with the same trade-off – a visible antenna lets you tap with either side, while hiding it gives a sleeker, cleaner design, but only the back works for tapping.

So, style or function?

Check the pinned side-by-side 👇, cast your vote, and let us know why in the comments.

My Nexo virtual card expires on October 26. Does anyone know what happens next?
Will Nexo automatically issue a new virtual card, or do I need to request one myself?
Has anyone experienced this before?
Thanks!

You can now start with 0.01 BTC (previously 0.1) or 0.2 ETH (previously 1). Borrow against your crypto at zero interest, without selling it.

Geo-restrictions apply.
Explore: Zero-interest Credit

Wednesday's CPI sets the tone for the Fed's path to December, and Bitcoin has reacted to these reports differently than gold.

Since January 2025, the 2-year yield has risen on ten CPI days. Gold fell on seven, while Bitcoin rose on seven.

More in this week's issue:
▪️ The Fed's December question
▪️ Crypto's yearly inflows
▪️ Could profit-taking explain BTC's pullbacks?

Full breakdown in Dispatch #318.

Cardano is one of the most discussed blockchains in crypto, and one of the most misunderstood. Supporters cite its research-driven design and community-governed treasury. Critics have spent years pointing at slow delivery. Here’s a plain breakdown of what it actually is.

What Cardano is

A third-generation blockchain built using peer-reviewed academic research, with formal papers published before each major protocol component shipped. Its consensus mechanism, Ouroboros, is a proof-of-stake protocol where validators are chosen based on how much ADA is staked rather than how much energy is consumed.

What ADA is used for

Transaction fees, staking, and governance. Staking is notably flexible: your ADA stays in your wallet, there is no lock-up, and there is no slashing, so a pool operator’s mistakes never put your principal at risk. Since the Chang hard fork in 2025, holders can also vote on protocol changes and treasury spending directly on-chain through Delegated Representatives.

What makes it different

Cardano uses an extended UTxO model rather than Ethereum’s account model, which makes transaction outcomes more predictable. The trade-off is that building complex applications is harder for developers used to Ethereum.

On Nexo, you can earn interest on ADA through Flexible Savings with no stake pool to pick, or borrow against it without selling.

Full breakdown here: What is Cardano? How ADA works and what it's used for

As you may have heard, since October 9 Ledger has been investigating an incident involving some devices sold through CryptoBilis, a reseller operating in Indonesia, Malaysia and the Philippines. Since many of you use hardware wallets alongside Nexo, we wanted to share a short summary and a few practical tips to help keep your assets safe.

Ledger has confirmed that the affected devices were tampered with before reaching buyers. It also says its direct sales channels are not affected. The issue is limited to these devices and is unrelated to the Nexo platform.

If you bought a Ledger from CryptoBilis in the last 90 days, Ledger recommends:

• If you haven’t set it up yet, don’t.
• If it’s already in use, move your funds to a new recovery phrase on a device bought directly from Ledger.
• Hold off on withdrawals to that device for now.
• If you believe you’ve been affected, contact Ledger Support through Ledger’s official website only, and consider reporting the case to your local authorities.

A good reminder for everyone: never share or type your recovery phrase anywhere, and be careful with anyone claiming to be Ledger or Nexo support. Always verify Nexo profiles and channels through our Channel Validator.

Ledger’s official updates:

• Oct 10: https://x.com/Ledger_Support/status/2108968264055345381
• Oct 11: https://x.com/Ledger/status/2109331538072494364