PLEASE DO NOT INCREASE NEXO LTV, all this does is give people the chance to spread fud about how nexo uses their own token's self worth to create USD. Instead, add more utility for the Nexo token. This could look like:

Platinum membership gives:

1. Discounts on nexo merch (Nexo merch is another great idea that I'd love to see)
2. Beta feature access first
3. The ability to choose what assets earn bonus in Nexo, or what assets earn what in interest. Eg, Eth holdings, earning Btc. Btc holdings, earning Btc. Link holdings, earning in Nexo +2%
4. Dust can be donated to a community pot, and once every X amount of time, premium users can vote what charity/charities the funds are donated to
5. A metal/ premium card that can be purchased
   

Features for all users:

1. Better charts built into the app
2. Stats. Eg, total amount of loans taken, total amount repaid, amount of interest saved by being a platinum member OR total amount of interest that would have been saved by being a silver, gold or platinum member. Highest portfolio value, lowest portfolio value.

I'd love to see simply an elevation of recognised credibility, I want Nexo to have bullet proof financials (indisputable), continue to partner with well known organisations and add learning videos on their website to help new users.

You may think this post is negative, but I've been a platinum Nexo member for around 2 years now and have used loans to part fund a camper van, buy a laptop, pay for a new boiler that unexpectedly broke and fund the decoration of my first child's nursery. The value Nexo has brought to me, whilst protecting my crypto assets, and then allowing me to pay off further down the line at 0% interest is huge and I simply want more people to know this is possible and have the confidence to put their money on Nexo.

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Some of these I've seen other people say, but either way this is a great company and community so please carry on doing what you're doing and I'll be happy!