I agree with your opinion about the Nexo Coin. Before Nexo we have a lot of Lending ICO platform that are scamming and Nexo already prove that they are not the same with the others and Holding Nexo coins has its own benefits. It means you will get dividends (30% of the net profits will be distributed to all the token hodler). Beside that, when you repay the crypto loans with NEXO tokens, you will get a 50% discount on the interest charged on the loan amount.