Head-to-Head
Every metric that matters, side by side.
Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.
VS
Nexo
Est. 2018
5.3
VS
9.0
Unchained
Est. 2016
NexoUnchained
5.3
9.0
Higher safety score (9.02 vs 5.25)
5.3
Safety Score
Higher safety score (9.02 vs 5.25)
9.0
Safety Score
Higher safety score (9.02 vs 5.25)
5.3
Higher safety score (9.02 vs 5.25)
9.0
Lower minimum APR (1.9% vs 14.18%)
1.9%
APR Range
Lower minimum APR (1.9% vs 14.18%)
14.18%
APR Range
Lower minimum APR (1.9% vs 14.18%)
1.9%
Lower minimum APR (1.9% vs 14.18%)
14.18%
—
Both have the same max LTV
50%
Max LTV
—
Both have the same max LTV
50%
Max LTV
—
NexoBoth have the same max LTV
50%
—
UnchainedBoth have the same max LTV
50%
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $150,000
Max Unlimited
Max Unlimited
Loan Amount Range
—
NexoCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
—
UnchainedCompare loan amounts based on your needs
Min $150,000
Max Unlimited
Max Unlimited
Lower origination fee
None
Origination Fee
Lower origination fee
2%
Origination Fee
Lower origination fee
None
Lower origination fee
2%
Faster funding speed
Same day
Funding Speed
Faster funding speed
3–5 days
Funding Speed
Faster funding speed
Same day
Faster funding speed
3–5 days
Multi-Sig > Custodial
Custodial
Custody Model
Multi-Sig > Custodial
Multi-Sig
Custody Model
Multi-Sig > Custodial
Custodial
Multi-Sig > Custodial
Multi-Sig
No rehypothecation — collateral is never reused
Partial
Rehypothecation Policy
No rehypothecation — collateral is never reused
No Rehypothecation
Rehypothecation Policy
No rehypothecation — collateral is never reused
Partial
No rehypothecation — collateral is never reused
No Rehypothecation
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Not published
Reserve Transparency
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Published
via Self-verifiable on-chain (collaborative multisig — you hold keys)
via Self-verifiable on-chain (collaborative multisig — you hold keys)
Reserve Transparency
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Not published
Published via Self-verifiable on-chain (collaborative multisig — you hold keys)
Published
via Self-verifiable on-chain (collaborative multisig — you hold keys)
via Self-verifiable on-chain (collaborative multisig — you hold keys)
licensed is a stronger regulatory status
Registered
Regulatory Status
licensed is a stronger regulatory status
Licensed
Regulatory Status
licensed is a stronger regulatory status
Registered
licensed is a stronger regulatory status
Licensed
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
US State Availability
Fewer excluded states (0 vs 2)
All 50 states
US State Availability
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
Fewer excluded states (0 vs 2)
All 50 states
Longer track record (10 yrs vs 8 yrs)
8 yrs
Est. 2018
Est. 2018
Track Record
Longer track record (10 yrs vs 8 yrs)
10 yrs
Est. 2016
Est. 2016
Track Record
Longer track record (10 yrs vs 8 yrs)
8 yrs
Est. 2018
Est. 2018
Longer track record (10 yrs vs 8 yrs)
10 yrs
Est. 2016
Est. 2016
Bottom line
Unchained
Wins 7 of 12 categories
3
Nexo wins
2
Tied
7
Unchained wins
Score breakdown
Nexo: 3 categories2 tiesUnchained: 7 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.