I have tried almost all of the earn/lending companies out there and have to say that Nexo impressed me the most. I am earning interest on some of my coins, I have active loan and thanks to owning NEXO Tokens I pay 5.9% interest on my loan and I receive 5% interest on my crypto and 10% on my stablecoins. The interest is paid daily, instant withdraws, zero fees. I still have small positions with other companies but most of my assets are already in Nexo. The app is clean and intuitive. When I get the Nexo card I will stop using old financial instruments - banks.