The Loan-to-Value (i.e. ~60% for BTC and ETH) is dynamically determined by the Nexo Oracle algorithms, depending on the current and historical volatility and market liquidity of the asset. If the assets decrease significantly in value and you do not contribute additional assets to your Nexo Wallet after receiving a warning from the Nexo Oracle, Nexo may initiate small liquidations to cover any insufficiency.
In simple terms, Nexo should have no issue dealing with market crashes (as previously proven by previous market dips), as everything is over-collateralized and secure.
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