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I'm using Nexo for more than two years. Great service, customer support, security, and interest.
Highly recommended.
Two more things:
- at least 1/10 of their Nexo wallet (all deposits in the app) consists of Nexo token, you will receive a lower interest on your loan
- you can borrow 90% money against stable coins in your wallet
RE: Interest up to 12% ... That's Nexo