Digital asset wealth platform Nexo has officially launched regulated crypto-backed credit lines in Australia, allowing local clients to access liquidity without selling their underlying cryptocurrency holdings. Operating as an authorized credit representative under Australia’s National Consumer Credit Protection Act, Nexo Australia becomes one of the few platforms offering fully compliant crypto lending services within the country.
The newly introduced framework enables eligible retail and institutional users to borrow Australian dollars (AUD) or stablecoins using their digital assets as collateral. Borrowers can choose between Smart and Standard credit line structures, which vary based on interest rates, eligible collateral assets, and margin-management mechanisms during market drawdowns. Approved funds are typically disbursed within 24 hours, featuring flexible repayment schedules, no origination fees, and no fixed terms. Interest rates range from 0.9% to 21.9% per annum, depending on borrowing parameters and the user’s loyalty tier.
Nexo noted that borrowing against crypto assets carries inherent liquidation risks, as market downturns may trigger margin calls if collateral loan-to-value (LTV) ratios exceed permitted thresholds. The Australian launch reflects growing regulatory momentum across the region, following fintech firm Block Earner securing an Australian Credit License from ASIC in May 2026. To maintain compliance, Nexo Australia is registered with AUSTRAC as a virtual asset service provider and holds membership in the Australian Financial Complaints Authority (AFCA).
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