Nexo vs Folio.ai

Nexo is the premier wealth platform for digital assets, serving over 7 million clients across 150+ jurisdictions. Since 2018, we’ve been driving the next generation of wealth with innovative solutions built for forward-thinking investors seeking long-term growth in digital assets. FUND YOUR ACCOUNT Add funds through Automated Clearing House (ACH) and wire transfers. BUY CRYPTO & EARN INTEREST Purchase from a curated list of digital assets and give them a place to grow on their own at a complete crypto exchange platform. • Buy, sell, and swap a wide range of digital assets, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), Cardano (ADA), Ripple (XRP), Avalanche (AVAX), BNB, USDT, USDC, and others. Get crypto cashback on exchanges. • Earn compound daily interest on your digital assets while keeping them available for trading with Flexible Yield. Enjoy daily returns with no lock-ups. • Maximize your interest accrual with Fixed-term Yield, granting higher returns for longer periods. BORROW FUNDS WITHOUT SELLING YOUR CRYPTO Use your portfolio as collateral for a loan and unlock liquidity with the flexible Nexo Credit Line. • Get same-day approval with no credit checks. • Borrow against Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), Cardano (ADA), Ripple (XRP), Avalanche (AVAX), BNB, USDT, USDC, and other assets. Enjoy flexibility by combining multiple digital assets as collateral for your crypto loan. • Repay at your own pace with no fee schedule. JOIN THE NEXO WEALTH CLUB Unlock better rates, curated benefits, and exclusive experiences through Nexo’s Wealth Club loyalty program. • Up to 2x higher interest rates on Nexo’s Yield products. • Up to 2x lower borrow rates on the Nexo Credit Line. • Higher crypto cashback on swaps and exchanges. • Progress through tiers automatically by growing your NEXO Token holdings. • Enjoy tier protection, with seven days to adjust and retain your tier if it drops. UNLOCK BESPOKE SERVICE WITH NEXO PRIVATE Nexo Private is designed for select clients with substantial digital asset holdings who value a more personal, high-touch experience. • Access exclusive OTC products, custom terms, reduced fees and margin levels, and higher withdrawal limits. • Benefit from dedicated relationship management, custom onboarding, and priority client care for a truly personalized experience. • Join Nexo at world-class tennis, golf, and Formula 1 events, along with leading industry conferences — with curated access and hospitality. CYBERSECURITY COMES FIRST Nexo’s strong fundamentals support your digital assets. • 256-bit encryption • ISO 27001:2013, SOC 2 Type 2, and SOC 3 Type 2 certification • Address whitelisting and 2FA • Anti-scam Engine • Withdrawal confirmations and log-in alerts • Official Nexo channel validator • 24/7 client care DISCLAIMER All or part of the Nexo Services, some features thereof, or some Digital Assets, are not available in certain jurisdictions, including where restrictions or limitations may apply, as indicated on the Nexo Platform and in the relevant general terms and conditions. Rates, product availability, features, and applicable terms may vary based on jurisdiction, eligibility, loyalty tier, and other factors, and are subject to change at any time. Always refer to the Nexo app for the most current and applicable information. When terms such as "up to" or "from" are used to denote limits, achieving these maximum or minimum thresholds may be conditional on additional actions or fulfilment of certain criteria and requirements that may not be attainable by all clients. While the nature of digital assets is unique, when referencing digital assets as potential investments, any similarities with the traditional concept of investments are entirely circumstantial, therefore any parallels between them should not be interpreted as deliberate or intended.

Folio makes personal budgeting simple. Connect your bank with Plaid, set monthly limits for categories like Food and Shopping, and see where you stand — without spreadsheets or clutter. • One-time setup for category budgets • Spending tracked from your linked accounts • Clear progress on Home and Budget • Alerts when you near a limit • Fix a category anytime from Activity • Disconnect banks or delete your account in Settings Optional Folio Plus (auto-renewable subscription via Apple): • Monthly: Folio Plus — $9.99/month with a 14-day free trial where offered • Yearly: Folio Plus — $69.99/year with a 14-day free trial where offered Plus unlocks up to 8 linked banks, merchant budgets, and smart tips. Free includes one bank connection and category budgets. Payment is charged to your Apple ID at confirmation of purchase (or after the trial). Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple ID → Subscriptions. Privacy Policy: https://plus-app.io/folio/privacy Terms of Use (EULA): https://plus-app.io/folio/terms Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Folio is a budgeting aid, not a bank or financial advisor.