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Home Platforms AQRU vs Nexo

Compare AQRU vs Nexo

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Pros & Cons

tick Simple, easy to use interface.
tick Competitive exchange rates.
tick Competitive interest rates for large deposits.
tick Clear ownership structure and regulatory status.
tick Run by strong, professional team.
tick No tiered savings rates. Rate applies to entire balance.
tick Has chat support but Nexo doesn't
tick Very simple & easy to use
tick No hidden fees
tick Interest paid daily
tick Earn higher savings rates by being paid interest in Nexo tokens
tick Earn further daily interest on accumulated Nexo tokens
tick Further interest rate enhancements for fixed terms of 1 to 12 months
tick Instant access accounts available for all currencies
tick No minimum monthly repayment amount on loans
tick Funds immediately start earning interest as soon as they are deposited
tick Proof of reserves verified by independent accountant
tick Advanced products available for high value investors
tick Higher average review rating than AQRU (87% vs 80%)
tick More reviews than AQRU (33,666 vs 138 reviews)
tick Higher rating on Trustpilot than AQRU (4.5 vs 4 stars)
tick Been in business longer than AQRU (Founded 2018 vs 2021)
tick Has less assets under management than AQRU
tick Futures exchange available on Nexo but not on AQRU
tick Offers loans but AQRU doesn't
tick Margin trading available on Nexo but not on AQRU
tick Has a lower level of insurance than AQRU
tick Has 24/7 support but AQRU doesn't
tick Invests in DeFi products but AQRU doesn't
tick Has independent proof of reserves but AQRU doesn't
tick Interface supports French, Korean, Japanese, Turkish, Portuguese-Portuguese, Spanish, Simplified Chinese, Russian and German whereas AQRU doesn't
Savings Rates
tick AQRU has a higher base saving rate for USD Coin (USDC) (7% vs 4%)
tick AQRU has a higher base saving rate for Ethereum (ETH) (5% vs 2.5%)
1 more savings rates pro ...
Savings Rates
tick Nexo will pay interest on 3 fiat currency deposits not offered by AQRU:
Pounds Sterling (GBP)
US Dollars (USD)
Euros (EUR)
More ...
tick Nexo has a higher base saving rate for 2 stable coins:
Tether (USDT) (4% vs 3%)
Dai (DAI) (4% vs 3%)
4 more savings rates pros ...
Loan Rates
tick Nexo offers loans in 31 fiat currency deposits not offered by AQRU:
Pounds Sterling (GBP)
US Dollars (USD)
Euros (EUR)
Danish Krone (DKK)
Canadian Dollars (CAD)
Romanian Leu (RON)
Polish Złoty (PLN)
Australian Dollars (AUD)
Turkish Lira (TRY)
Swedish Krona (SEK)
Hungarian Forint (HUF)
Norwegian Krone (NOK)
Swiss Franc (CHF)
Croatian Kuna (HRK)
Israeli New Shekel (ILS)
Bulgarian Lev (BGN)
Czech Koruna (CZK)
Japanese Yen (JPY)
United Arab Emirates Dirham (AED)
South African Rand (ZAR)
Thai Baht (THB)
New Zealand Dollars (NZD)
Mexican Peso (MXN)
Saudi Riyal (SAR)
Kuwaiti dinar (KWD)
Qatari Riyal (QAR)
Bahraini Dinar (BHD)
Chinese Yuan Renminbi (CNY)
Kenyan Shilling (KES)
Omani Rial (OMR)
Ugandan Shilling (UGX)
More ...
tick Nexo offers loans in 2 stable coin deposits not offered by AQRU:
1 more loan rates pro ...
cross High $20 fee for crypto withdrawls.
cross Limited number of coins supported.
cross Loans not available.
cross Need to manually fund savings accounts rather all deposits automatically earning interest.
cross Lack of transparency about where company is located
cross Slow customer service with no phone option
cross You no longer control access to any crypto with your own private wallet key
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Reviews

80% based on 138 reviews
87% based on 33,666 reviews
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Savings Rates

The table below compares the savings rates for AQRU and Nexo. Enter the amount you intend to deposit to get a more detailed comparison.
Fiat Currencies
Stable Coins
DAI Dai
3% APY
3% APY
USDC USD Coin
7% APY
7% APY
USDT Tether
3% APY
3% APY
Crypto Currencies
BTC Bitcoin
1% APY
1% APY
ETH Ethereum
5% APY
5% APY
Loading rates ...
Fiat Currencies
EUR Euros
8% APR
8% APR
GBP Pounds Sterling
8% APY
8% APY
USD US Dollars
8% APR
8% APR
Stable Coins
DAI Dai
4% - 12% APR
4% - 12% APR
HUSD HUSD
4% - 12% APR
4% - 12% APR
TUSD TrueUSD
4% APY - 12% APR
4% APY - 12% APR
USDC USD Coin
4% - 12% APR
4% - 12% APR
USDP Pax Dollar
4% - 12% APR
4% - 12% APR
USDT Tether
4% APY - 12% APR
4% APY - 12% APR
14% APY - 20% APR
14% APY - 20% APR
Crypto Currencies
ADA Cardano
5% - 8% APR
5% - 8% APR
ATOM Cosmos
7% - 11% APR
7% - 11% APR
AVAX Avalanche
8% - 12% APR
8% - 12% APR
24% - 34% APR
24% - 34% APR
5% APY - 8% APR
5% APY - 8% APR
BNB BNB
5% - 8% APR
5% - 8% APR
BTC Bitcoin
2.5% APY - 7% APR
2.5% APY - 7% APR
DOGE Dogecoin
0.25% - 3% APR
0.25% - 3% APR
DOT Polkadot
11% - 15% APR
11% - 15% APR
EOS EOS
5% APY - 8% APR
5% APY - 8% APR
ETH Ethereum
2.5% - 8% APR
2.5% - 8% APR
FTM Fantom
12% APY - 18% APR
12% APY - 18% APR
KSM Kusama
5% - 8% APR
5% - 8% APR
LINK Chainlink
2.5% APY - 7% APR
2.5% APY - 7% APR
LTC Litecoin
5% - 8% APR
5% - 8% APR
5% APY - 8% APR
5% APY - 8% APR
MATIC Polygon
12% APY - 16% APR
12% APY - 16% APR
NEXO Nexo
12% APR
12% APR
PAXG PAX Gold
2% - 7% APR
2% - 7% APR
RUNE THORChain
15% APY - 18% APR
15% APY - 18% APR
SOL Solana
5% - 8% APR
5% - 8% APR
TRX TRON
10% - 13% APR
10% - 13% APR
XLM Stellar
5% - 8% APR
5% - 8% APR
XRP XRP
2% - 8% APR
2% - 8% APR
Loading rates ...
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Loans Rates

The table below compares the loan rates for AQRU and Nexo. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
Stable Coins
Loading rates ...
Fiat Currencies
AED United Arab Emirates Dirham
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
AUD Australian Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
BGN Bulgarian Lev
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
BHD Bahraini Dinar
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CAD Canadian Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CHF Swiss Franc
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CNY Chinese Yuan Renminbi
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CZK Czech Koruna
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
DKK Danish Krone
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
EUR Euros
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
GBP Pounds Sterling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
HRK Croatian Kuna
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
HUF Hungarian Forint
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
ILS Israeli New Shekel
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
JPY Japanese Yen
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
KES Kenyan Shilling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
KWD Kuwaiti dinar
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
MXN Mexican Peso
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
NOK Norwegian Krone
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
NZD New Zealand Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
OMR Omani Rial
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
PLN Polish Złoty
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
QAR Qatari Riyal
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
RON Romanian Leu
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
SAR Saudi Riyal
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
SEK Swedish Krona
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
THB Thai Baht
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
TRY Turkish Lira
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
UGX Ugandan Shilling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
USD US Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
ZAR South African Rand
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
Stable Coins
USDC USD Coin
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
USDT Tether
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
Loading rates ...
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Company

Legal name
AQRU Plc
Legal name
Nexo Services OÜ
Year founded
2021
Year founded
2018
Country incorporated in
42
Country incorporated in
77
Headquarters country
1
Headquarters country
42
Platform token
Platform token
Nexo
Centralised
tick Yes
Centralised
tick Yes
Number of employees
Number of employees
101-250
Number of users
Number of users
100,000,000
Total assets under management
$50,000,000USD
Total assets under management
$5,000,000,000USD
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Products

Futures exchange
cross No
Futures exchange
tick Yes
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
cross No
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Margin trading
cross No
Margin trading
tick Yes
Corporate accounts
tick Yes
Corporate accounts
tick Yes
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
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Security

Insurance level
$30,000,000USD
Insurance level
$775,000,000USD
Cold storage
Cold storage
tick Yes
Cold storage custodian
Fireblocks
Cold storage custodian
BitGo, LedgerVault
Crypto security standard
Crypto security standard
Level 3
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Loan over collateralisation percent
Over 100% over-collateralisation%
Loan over collateralisation percent
200%+%
Credit check
cross No
Credit check
cross No
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Support

24/7 support
cross No
24/7 support
tick Yes
Email support
tick Yes
Email support
tick Yes
Phone support
cross No
Phone support
cross No
Chat support
tick Yes
Chat support
cross No
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Fees

Exchange fees
0.35% flat rate
Exchange fees
0% exchange fee
Fiat deposit fee
tick Free
Fiat deposit fee
tick Free
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
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Investment Strategy

Liquidity pools
Liquidity pools
cross No
DeFi products
tick Yes
DeFi products
cross No
Unsecured loans
Unsecured loans
cross No
Independent proof of reserves
cross No
Independent proof of reserves
tick Yes
Proof of reserves
Proof of reserves
Nexo has contracted with Armanino, a top 20 Us accounting firm, to independently audit Nexo's assets and customer liabilities and to verify that the assets exceed customer liabilities. This verification can be checked live on Armanino's website.
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Accru is registered as a Cryptoasset service provider with the Bulgarian National Revenue Agency. Accru has a pending application with the UK Financial Conduct Authority for approval as a crypto asset business
Regulators
Regulated in Estonia, Switzerland and the Cayman Islands
Bulgarian National Revenue Agency
tick Yes
Bulgarian National Revenue Agency
Financial Crimes Enforcement Network
Financial Crimes Enforcement Network
tick Yes
ISO 27001 Information Security Management
ISO 27001 Information Security Management
tick Yes
System and Organization Controls (SOC2) Type 1
System and Organization Controls (SOC2) Type 1
tick Yes
System and Organization Controls (SOC2) Type 2
System and Organization Controls (SOC2) Type 2
tick Yes
CryptoCurrency Security Standard (CCSS) Level 3
CryptoCurrency Security Standard (CCSS) Level 3
tick Yes
Kansas - Office of the State Bank Commissioner - Supervised Loan License
Kansas - Office of the State Bank Commissioner - Supervised Loan License
tick Yes
New Hampshire - Banking Department - Money Transmitter License
New Hampshire - Banking Department - Money Transmitter License
tick Yes
Oregon - Division of Financial Regulation - Money Transmitter License
Oregon - Division of Financial Regulation - Money Transmitter License
tick Yes
Arizona - Department of Insurance and Financial Institutions Consumer Lender License
Arizona - Department of Insurance and Financial Institutions Consumer Lender License
tick Yes
California - Department of Financial Protection and Innovation - Financial Lender License
California - Department of Financial Protection and Innovation - Financial Lender License
tick Yes
District of Columbia - Department of Insurance, Securities and Banking - Money Lender License
District of Columbia - Department of Insurance, Securities and Banking - Money Lender License
tick Yes
Idaho - Department of Finance - Regulated Lender License
Idaho - Department of Finance - Regulated Lender License
tick Yes
Illinois - Department of Financial and Professional Regulation - Consumer Instalment Loan License
Illinois - Department of Financial and Professional Regulation - Consumer Instalment Loan License
tick Yes
Minnesota - Department of Commerce - Regulated Loan Company License
Minnesota - Department of Commerce - Regulated Loan Company License
tick Yes
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
tick Yes
Missouri - Division of Finance - Sale of Checks & Money Transmitter License
Missouri - Division of Finance - Sale of Checks & Money Transmitter License
tick Yes
Montana - Division of Banking and Financial Institutions - Consumer Loan License
Montana - Division of Banking and Financial Institutions - Consumer Loan License
tick Yes
New Hampshire - Banking Department - Small Loan Lender License
New Hampshire - Banking Department - Small Loan Lender License
tick Yes
Oregon - Division of Financial Regulation - Consumer Finance License
Oregon - Division of Financial Regulation - Consumer Finance License
tick Yes
Utah - Department of Financial Institutions - Registered Lender
Utah - Department of Financial Institutions - Registered Lender
tick Yes
Wyoming - Department of Audit - Supervised Lender License
Wyoming - Department of Audit - Supervised Lender License
tick Yes
Financial Transactions and Reports Analysis Centre of Canada - Money Service Business Registration
Financial Transactions and Reports Analysis Centre of Canada - Money Service Business Registration
tick Yes
Swiss Financial Market Supervisory Authority - Affiliate Member of the SRO "So-Fit" Geneva
Swiss Financial Market Supervisory Authority - Affiliate Member of the SRO "So-Fit" Geneva
tick Yes
Australian Securities and Investment Commission - Registration as Foreign Company
Australian Securities and Investment Commission - Registration as Foreign Company
tick Yes
Australian Transaction Reports and Analysis Centre - Registration as Reporting Company
Australian Transaction Reports and Analysis Centre - Registration as Reporting Company
tick Yes
Companies Registration - Trust or Company Service Provider License
Companies Registration - Trust or Company Service Provider License
tick Yes
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Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

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