Nexo Introduces Zero-Interest Credit, Letting Users Borrow Against Crypto at 0% APR

Nexo is rolling out a new borrowing product aimed at one of crypto’s longest-standing pain points: accessing liquidity without interest costs, forced liquidations, or constant risk management.

The product, called Zero-Interest Credit (ZiC), allows Bitcoin and Ethereum holders to borrow at 0% APR with no fees, using a fixed-term structure designed to remove uncertainty from crypto-backed lending. ZiC now sits alongside the Nexo Credit Line as one of the platform’s core borrowing offerings.

At its core, the idea is simple: unlock liquidity without selling crypto—and without worrying about mid-term liquidations if markets move against you.

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Borrowing Without the Usual Tradeoffs

ZiC is designed for users who want access to capital while maintaining long-term exposure to BTC and ETH. That includes investors managing tax timing, traders pursuing short-term opportunities with defined risk, and businesses using digital assets to fund operations or growth.

Unlike traditional crypto credit lines, ZiC doesn’t rely on dynamic loan-to-value monitoring or margin calls. Each loan is issued with fully predefined terms that remain intact for the duration of the agreement.

Users select the loan amount and term upfront, with repayment parameters visible from day one. 

A built-in Minimum Repayment Price prevents liquidation during the loan period, while a Maximum Repayment Price allows borrowers to lock in gains up to a predefined level. At maturity, loans can be settled in stablecoins or with collateral, depending on market conditions.

For borrowers who want to maintain exposure beyond the initial term, ZiC also includes a renewal option, allowing loans to be extended with updated terms—without unwinding and re-opening a position.

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Predictability as a Feature

The launch reflects a broader shift in crypto lending toward structured, predictable credit models rather than interest-based borrowing tied to volatile collateral ratios.

“Borrowers want liquidity that’s cost-efficient, transparent, and free from liquidation uncertainty. Zero-Interest Credit delivers a predefined structure that clients can rely on from start to finish.”

Elitsa Taskova, Nexo’s Chief Product Officer

That focus on predictability comes as crypto-collateralized lending continues to expand. According to recent market data, the sector reached $73.59 billion in Q3 2025, up 38.5% quarter-over-quarter, surpassing the previous cycle peak as institutional participation deepens and collateral quality improves.

Raising the Bar for Crypto Credit

Nexo has positioned itself as a long-standing player in crypto-backed lending, serving users across more than 150 jurisdictions and managing $11 billions in digital assets. As one of the industry’s largest lenders, the company has increasingly emphasized risk controls, transparency, and client-centric product design.