All offers / Crypto / Nexo
Examined Jul 27, 2026 Paid in NEXO Token Three separate tasks Nexo's own two pages disagree about when your 45 days start.
Add funds, exchange and take a first Credit Line withdrawal on that same $5,000, and it pays $100 instead. The advertised ceiling is real but expensive: Nexo says the maximum per person is $600, "achieved by reaching Tier 3 across all three activities", and Tier 3 is $100,000 on each one.
Your reward is three separate tasks, not one deposit
Adding funds, exchanging and taking a first Credit Line withdrawal are three separate jobs, and Nexo's referral page is clear about the consequence: "Each activity pays out independently at the tier they reach." Read the table across, not down.
| Size of that one activity | Add funds | Exchange | Borrow | All three |
|---|---|---|---|---|
| Tier 1, $5,000 or more | $5 | $25 | $70 | $100 |
| Tier 2, $25,000 or more | $25 | $50 | $150 | $225 |
| Tier 3, $100,000 or more | $100 | $250 | $250 | $600 |
Borrowing is the best paid of the three at every tier and the one most people never touch.
- Adding funds and nothing else, the default most people land on$5
- Adding funds, exchanging and a first Credit Line withdrawal$100
The same $5,000, read across Nexo's own Tier 1 row instead of down it.
What quietly does not count
| Yield products. Nexo's Flexible and Fixed-term Yield accounts, the headline product almost everyone comes for | Counts for nothing |
|---|---|
| Stablecoin-to-fiat pairs such as USDC/USD and USDT/USD. A stablecoin is a crypto coin pinned to a real currency; fiat means ordinary money like dollars | Not toward the exchange |
| A second or third Credit Line withdrawal, and any Nexo Credit Card purchase | Excluded |
| A first Credit Line withdrawal under $5,000. The minimum is on the first draw specifically | $0 |
| Any task finished early but no longer in compliance on day 45 | $0 |
Do this, in this order
- Open a new account through a referral link and finish the identity check first. The sooner that clears the sooner you know your real deadline.
- Decide which of the three tasks you were going to do anyway. Adding funds, exchanging, and a first Credit Line withdrawal. Each is optional and each pays on its own; doing one is fine.
- Keep the money that has to count out of the Yield products. In Nexo's own words, "Nexo's Flexible and Fixed-term Yield products do not count toward any reward threshold." Parking your deposit there earns you nothing on this program.
- If you are exchanging, do not use a stablecoin-to-fiat pair. "Stablecoin-to-fiat pairs such as USDC/USD and USDT/USD do not count toward the threshold."
- If you are borrowing, make the first withdrawal the large one. "A minimum first Credit Line withdrawal of $5,000 is required... Subsequent withdrawals do not count toward the threshold." A $1,000 test draw followed by $9,000 pays nothing at all.
- Hold everything to the end, because nothing banks early. An activity completed before the end of the period "is paid at the same time as all other activities and not at the time of completion", and a reward is paid only for activities that "remain in compliance at the time of payout". Payment arrives within an hour of the window closing.
What can still cost you the reward
You are paid in a token, at whatever it is worth that day. Rewards "are denominated in U.S. dollars but, where paid in a Digital Asset, are converted at the prevailing rate at the time of payout; the actual value received may be more or less than the stated dollar amount".
The amounts can change without the contract changing. Changes to the program rules, "including Qualifying Activities, thresholds, eligible and ineligible transaction types, maintenance requirements, and Reward amounts", do not require amending the terms at all. Screenshot the tier table on the day you start.
The maintenance rule is stated loosely. The referral page asks only that you "maintain this average balance throughout the holding period", without saying how the average is calculated or when it is measured. Fund early and keep a buffer above your tier floor.
New York. The terms exclude New York residents from acting as a Promoter: to take part as a Promoter you must "not be a resident of the State of New York". Whether a New York resident may be a referred client is not stated on either page we read. If it matters to your plan, ask Nexo support in writing before you move money.
Two corrections to this page
Until July 27, 2026 this page framed the reward as one deposit task with extras, and stated a tier snapshot on day 15 and a deposit deadline inside the first 15 days as fact. We could not find either in the binding Promoter Terms or on Nexo's referral page, so both are gone. Everything here now traces to the documents we read live, effective June 11, 2026.
Is it worth your time?
Only if the money was already going into crypto. If you were moving $5,000 anyway, knowing this is three tasks turns a $5 default into $100 for no extra capital. If you would be depositing purely to chase the reward, the shape of the offer is against you: you hand a company $5,000 or more, wait 45 days, keep the balance up the whole time, and are paid in a token whose value on the day is anybody's guess. The borrow task asks you to take out a real loan, and no $70 reward justifies a $5,000 debt you did not want. Take the tasks you were doing anyway and skip the rest.
The 60-second tax note
A crypto reward is generally taxable US income at its value on the day it lands, and Nexo may report it. Note the date and the dollar value when it arrives. If you later sell the NEXO Token at a different price, that is a separate gain or loss.
Nexo against a low-friction offer
The Binance.US referral pays $10 for a $100 trade inside 30 days, in cash, in days. Nexo asks $5,000 to reach its lowest tier, pays $5 for that deposit alone, and settles 45 days later in a volatile token. If you are already moving real size and would use the exchange and the credit line regardless, Nexo pays more than anything else in this category.
If Nexo does not fit
Go deeper
- Maximize it: working the three tasks and the tier cliffs on money you were moving anyway.
- Is Nexo safe?: the track record, the 2023 settlement in plain English, and a 5-minute safety checklist.
- Reward not paid?: the common causes, which are fixable, and how to write a ticket that gets resolved.