Nexo launches zero-interest crypto credit as demand grows for predictable borrowing
The lender says its new product allows Bitcoin and Ethereum holders to access liquidity at 0% interest while avoiding forced liquidation, reflecting a broader shift towards structured crypto credit.
Nexo has launched Zero-interest Credit, a borrowing product that allows Bitcoin and Ethereum holders to unlock liquidity at 0% interest through a fixed-term structure designed to eliminate the risk of premature liquidation.
The company said Zero-interest Credit, or ZiC, becomes a flagship offering alongside the Nexo Credit Line and responds to growing demand for clearer, more predictable borrowing terms in crypto markets. The structured product was previously offered through Nexo’s Private and over-the-counter services, where it enabled access to more than $140 million in liquidity during 2025.
ZiC is designed around predefined terms that are set at the outset. Clients choose the loan amount and duration and can see the full repayment profile from day one. Each position includes a Minimum Repayment Price, which prevents liquidation during the term, and a Maximum Repayment Price, allowing borrowers to lock in gains if collateral value rises. At maturity, loans can be repaid either in stablecoins or using the underlying collateral, while a ZiC Renewal option enables borrowers to extend positions without unwinding the loan.
Elitsa Taskova, chief product officer at Nexo, said the product reflects changing expectations among borrowers. “Borrowers today want liquidity that is cost-efficient, clear, and free from the uncertainty of liquidation risk,” she said. “Zero-interest Credit gives them exactly that, a fully predefined borrowing structure they can rely on from start to finish.”
Nexo framed the launch against rapid growth in crypto-collateralised lending, which it said reached $73.59 billion in the third quarter of 2025, up 38.5% quarter on quarter. The company argued that as the market matures, borrowers are moving away from open-ended credit lines towards structured products that offer certainty over costs and outcomes.
By introducing Zero-interest Credit as a mainstream product, Nexo is positioning itself as a leading provider of structured crypto credit, aiming to combine access to liquidity with protections that address some of the volatility risks that have historically deterred more conservative investors from borrowing against digital assets.
The Recap
- Nexo launched Zero-interest Credit for BTC and ETH holders.
- It provided more than $140 million in liquidity in 2025.
- Clients borrow at 0% interest with predefined repayment paths.
