Elevate your Ritchi experience.

Enjoy exclusive privileges and better rates with the Ritchi Loyalty Program.

The NEXO Token is at the core of our Loyalty Program.

As the key to unlocking exclusive benefits and our best rates, the NEXO Token gives you the flexibility to do more with your digital assets.

Reach your portfolio goals faster.

The amount of NEXO Tokens you hold against the rest of your portfolio places you into one of our Loyalty Tiers. The higher the percentage of NEXO Tokens you hold, the better terms you can enjoy.

Earn

up to 16%

savings rate on your digital assets

Borrow

from 2.9%

annual interest on your Credit Line

Exchange

up to 0.5%

crypto cashback per transaction

Ritchi Card

up to 2%

crypto cashback when spending

Withdraw

Unlimited

Free withdrawals on 15+ networks

1 Free

Withdrawal per month to a bank account or via BTC, ETH, TIA, or BSC networks

Withdraw

Stay up-to-date with real-time analytics on major market changes.

Unlock the wealth-building benefits of the Ritchi Loyalty Program with an account balance above $5,000.

How to buy NEXO Tokens.

For substantial amounts, our relationship managers can assist you with an OTC purchase. Alternatively, you can use the Ritchi Exchange to buy NEXO Tokens.

1. Contact us

If you plan to top up over $100,000 book a call with our relationship managers.

2. Plan

Let us know what Loyalty Tier you'd like to maintain.

3. Execute

Our relationship manager will assist you in executing the purchase.

Frequently asked questions.

Creating your Ritchi account is quick and straightforward.

Simply sign up, confirm your email, and complete a fast identity check. Once verified, you’ll be ready to start building wealth with Ritchi.

You can learn about the process in detail here.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Ritchi app, and maintain an account balance above $5,000 worth of digital assets. Once that’s done, you’ll be earning daily interest on your digital assets with our Flexible Savings offering.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Ritchi account.

Ritchi offers over 100 cryptocurrencies, including Bitcoin, Ethereum,
Solana, and USDC—all accessible through flexible payment options.

Choose between Apple Pay, Google Pay, bank transfers, or bank
cards, and purchase digital assets in the way that suits you best.

View the full list of assets here.

Once you buy or top up crypto, you can immediately access your
Credit Line to borrow funds—either sent to your bank account
or your Ritchi account in the form of stablecoins.

Visit our Help Center for more detailed information.

Driving the next generation of wealth.

Ritchi is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
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Grow your savings

Let your assets work passively or use active strategies for high-yield returns.

Earn daily compound interest with Flexible Savings

Build your wealth with daily compound interest while keeping your funds available anytime.

Earn higher rates for longer with Fixed-term Savings

Earn more for a specific time period and achieve your long-term savings goals.

Earn high yield with
 Dual Investment

Use short or mid-term strategies to buy low and sell high. Earn yield while waiting for your target buy or sell conditions to be met.

Our annual savings rates for supported digital assets.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx