Bern, Switzerland — Nexo’s Zero-Interest Credit (ZiC) just scored a major win. The crypto wealth platform’s product was named “Consumer Lending Product of the Year” at the 10th annual FinTech Breakthrough Awards, cementing Nexo’s reputation as a leader in crypto-backed lending innovation.
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ZiC is exactly what it sounds like: a way to borrow against Bitcoin and Ethereum without paying interest or fees, and without risking mid-term liquidation. Loans come with fixed durations and predefined repayment terms, giving borrowers clarity and predictability — even when crypto markets swing wildly.
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Since launching, ZiC has handled over $140 million in loans, with a 76% borrower renewal rate. On average, users renew their loans more than four times, showing strong confidence in the platform’s structure.
“Borrowers now expect clear outcomes and stronger collateral discipline,” says Elitsa Taskova, Nexo Chief Product Officer. “Zero-Interest Credit replaces reactive liquidations with predictable terms — exactly what users want in volatile markets.”
Why It Matters
Crypto lending has grown into a nearly $70 billion market, but risk management has often been a weak spot. Nexo’s ZiC changes that by locking in loan outcomes and protecting collateral, a step forward for an industry still learning how to balance flexibility and safety.
Steve Johansson of FinTech Breakthrough praised ZiC for creating “a more structured and resilient approach to digital asset lending,” highlighting Nexo’s role in redefining crypto credit.
This award marks Nexo’s fourth consecutive win at the FinTech Breakthrough Awards, showing the company isn’t just innovating — it’s consistently setting the bar for crypto lending.
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What Nexo Offers
Nexo is more than loans. Since 2018, it has grown into a full-service crypto wealth platform, serving users in 199+ countries. With $8B in assets under management and $403B processed, it provides:
Flexible and fixed-term high-yield savings
Crypto-backed loans
Advanced trading tools
Liquidity solutions
The first crypto debit/credit card
Nexo combines strong infrastructure, global licensing, and user-first support, giving clients a reliable way to grow, manage, and protect their digital assets.
