In this review, you’ll learn about Nebeus, a crypto and fiat lending platform.
Nebeus enables users to borrow cash and use cryptocurrencies as collateral.
Also, the platform provides a digital wallet that stores both cash and crypto. Interesting, right?
By the time you are done reading this post, you’ll understand how Nebeus operates and how you can borrow cash with crypto on the platform.
If you are ready, let’s get started!
Post Summary
This review is divided into the following subheadings:
- Nebeus Overview
- Features Of Nebeus
- Nebeus’ Product & Services
- Countries & Currencies Supported By Nebeus
- Payment Methods & Transaction Fees
- Transaction Limits & Verification Requirements On Nebeus
- Customer Support & Public Opinion
- How To Borrow Cash With Crypto on Nebeus
- FAQs
- Conclusion
You can click on any item above to read its content immediately.
Enjoy your read!
1. Nebeus Overview
Nebeus is a lending platform designed to bridge the gap between cryptocurrency and fiat.
Sergey Romanovskiy founded the platform in 2014.
Since then, it has been improved to offer users a more rewarding experience.
On Nebeus, users can buy, sell, transfer, rent cryptocurrency, and borrow fiat.
Additionally, the platform allows users to hold their crypto and fiat in one wallet.
In the following section, I’ll provide more details on these services but first, let’s see the features of the platform.
Keep reading!
2. Features Of Nebeus
- Blog
- Multi-language Options
- Digital wallet
- Press release & Press kit
- Status
- Mobile top-ups
- Loan health monitor
3. Nebeus Products & Services
Services offered by this platform include:
- Loans
- Renting
- Exchange
- Buy/Sell
- Transfer
- Wallet
Loans
Users can obtain cash loans from the platform and use cryptocurrency as collateral.
There are 2 types of loan: Quick loan and Flexible loan.
For Quick loan, users can borrow $50, $100, $250, or $500 and pay back in 3 months with 0% interest.
Here, the platform specifies the amount of crypto that will be used as collateral.
But for Flexible loan, the user decides the amount of cash he wishes to borrow, the interest rate, and the length of time it will take him to pay back.
He will then stake the total amount of crypto calculated by the system as collateral.
Here, the minimum interest rate is 6% and the user can pay back across 36 months.
Renting
This service enables users to stake their crypto on Nebeus and get paid after a given period with an interest.
There are two packages here: Juniper and Sequoia
For Juniper, users can stake a minimum of 0.006 BTC (50 Euros) for more than 3 months, and be refunded with 6.45% interest yearly.
Then for Sequoia, users can stake a minimum of 0.35 BTC (2,500 Euros) for more than 6 months, and be refunded with 8.25% interest yearly.
Exchange
Users can also exchange their cryptocurrency for cash on the platform.
They can exchange cryptocurrencies as well.
Buy/Sell
This service enables users to buy cryptocurrency from the platform and also sell to the platform.
Transfer
Nebeus allows users to make international transfers once they have adequate funds in their wallet.
There are two options here: Send Cash and Mobile Top-up
The ‘Send Cash’ option is used to transfer cash to a bank card while the ‘Mobile Top-up’ is used to recharge mobile phones.
Additionally, users can also transfer crypto from their Nebeus wallet to an external wallet and vice versa.
Wallet
Nebeus also provides wallet services. The wallet is called Vault and it stores both cryptocurrency and fiat.
Moving on, we’ll see the countries and currencies supported by Nebeus.
Keep reading!
4. Countries and Currencies Supported By Nebeus
Countries
Nebeus supports over 150 countries including Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Botswana, Brazil, British Indian Ocean Territory, British Virgin Islands, Burkina Faso, Canada English, Chad, Chile, China, South Africa, Ghana, Germany, Niger, and Nigeria.
Currencies
Cryptocurrencies – BTC and ETH
Fiat – EUR, USD, and GBP.
Next, let’s see the payment methods and transaction fees.
Read on!
5. Nebeus Payment Methods and Transaction Fees
Payment Methods
Transaction Fees
The platform charges different fees for each service provided. Find more details below:
Loans
| Loan | Loan origination | Interest rate |
| Quick | 2.5% | 0% |
| Flexible | 0% | 6 – 13.5% |
Exchange of crypto
0.35% per transaction
Withdrawal and deposit fees
| Card | Cash | Crypto | |
| Withdrawal | 2.8% | nil | nil |
| Deposit | 2.9% | 6.5% | nil |
Mobile Top-up
Nebeus charges £1.25 per transaction. Also, fees by the network operator applies here.
Transfer
| Transfer | Fees |
| SEPA | 1% |
| Wire | €30 |
| BTC | 0.0005 BTC |
| ETH | 0.009 ETH |
| Card | 2.8% |
| Cash | 6.5% |
Still here? Good!
Next, we’ll look at the transaction limits and verification requirements for Nebeus.
Read on!
6. Transaction Limits & Verification Requirements On Nebeus
Limits
| Transaction | Minimum | Maximum |
| Withdrawal | €5 | €3,500 |
| Cash Deposit | €10 | €97.56 |
| Quick loan | €50 | €500 |
| Renting | 0.006 BTC or 0.3 ETH | nil |
| Mobile Top-up | nil | nil |
| Transfer | nil | nil |
Verification Requirements
Account verification is needed to carryout transactions on the platform.
You will need to:
- Verify your email address and phone number
- Upload a proof of identity e.g. government-issued ID and a proof of address e.g., utility bills
7. Customer Support and Public Opinion
Nebeus has a good customer support system.
Users can find answers to their query from the FAQ Page of the platform.
Also, there is a support ticket available for users to send in their query.
I tried the support ticket and I received a response in less than 24hours.
Nebeus also post updates on these channels:
- https://www.facebook.com/Nebeus-2260382314240555/
- https://twitter.com/NebeusWorld
- https://www.linkedin.com/company/18253174/
- https://www.instagram.com/nebeusworld/
Then I checked Nebeus on TrustPilot, it had an excellent rating with 60 reviews. Cool!
Moving on, I’ll show you how you can borrow cash on Nebeus.
Tag along!
8. How To Borrow Cash With Crypto On Nebeus
Follow these steps to borrow cash on Nebeus:
i. First, visit Nebeus.com and click on ‘Open account’
ii. Complete the following field with your personal details and hit ‘Create account’.
iii. Click on the link sent to your inbox to confirm your email. You will then be redirected to your dashboard.
iv. Now, click on the bell sign on the left side of the upper sidebar and click on the yellow ‘Verify your account’ window:
You will be redirected to the verification portal. Kindly follow the instructions and fill in all the necessary details.
v. Once your account have been verified, deposit some crypto into your wallet.
vi. From your dashboard, select loan and choose quick loan or flexible loan.
v. Complete the required details and select ‘Get a loan’
vi. It takes a few minutes for the loan request to be processed and you will have the cash in your wallet while the crypto you used as collateral will be moved to the cold storage of Nebeus.
We’re almost done here. Let’s quickly answer some frequently asked questions.
Keep reading!
9. FAQs
There is no corporate financial body that regulates Nebeus.
However, the platform follows banking industry-standard AML and KYC guidelines.
Also, it employs excellent security features like password protection, 2FA, pin + 2FA for any withdrawal, and the inability to change wallet address without PIN confirmation.
Additionally, users’ funds are stored in a cold storage device that is disconnected from the internet.
Plus, these funds are insured up to $100M by Lloyds of London.
Furthermore, the platform has a known founder and a physical office.
It is obvious that Nebeus makes effort to make the platform as safe as possible.
a. Go to the ‘Add funds’ option on your dashboard.
b. Choose ‘Add Cash’ and the ‘Cash Collection Point’ option from the dropdown.
c. Enter an amount to add and click on the ‘Confirm’ button.
d. You’ll receive an email with a QR code and the nearest cash collection points.
e. Pick the one that is closest to you and proceed with your transaction.
In case you need a tutor…
We can teach you how to trade cryptocurrencies profitably. Simply enroll in our Crypto Trading Mastery Course by visiting www.ctmastery.com. You can also join our Telegram community at https://t.me/ctmastery. See you there!
10. Conclusion
Nebeus is a crypto and fiat lending platform where users can buy, sell, exchange, crypto, and borrow fiat.
It allows users to manage their fiat and crypto from one wallet.
And that’s all I have for you in this review. Now, I’d love to hear from you:
What do think about storing your fiat and crypto in one wallet?
Would you stake your crypto to borrow cash from Nebeus?
What other currencies do you wish were supported on the platform?
Let me hear your thoughts in the comments section right now.
Then, hit those social media buttons to share this post with your friends, thank you!
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