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So if I deposit a fiat on nexo it is

insured but if I buy a stablecoin on nexo (arguable pretty much the same thing) it is not insured?

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Correct.

correct. because the EURx USDx GBPx you get when depositing fiat is nexos own tokens, so hench they can insure. USDT USDC etc are other companies tokens which nexo isn't responsible for keeping their value

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