Nexo introduces a new way for crypto holders to borrow with confidence through its Zero-interest Credit product, offering 0% APR and no fees.
Key Takeaways
- Nexo has launched Zero-interest Credit, a borrowing solution for BTC and ETH holders offering 0% APR and no liquidation risk.
- Borrowers choose a fixed loan term, with a clearly defined repayment range and optional loan renewal features.
- No fees, no interest, and built-in downside protection make ZiC a predictable and transparent borrowing option.
- The move comes as crypto-collateralised lending hit $73.59 billion in Q3 2025, reflecting growing demand for structured, low-risk lending.
What Happened?
Crypto lender Nexo has unveiled a new product called Zero-interest Credit (ZiC), designed to provide cost-free liquidity to holders of Bitcoin and Ethereum. This solution allows users to borrow funds with 0% interest, no fees, and without the risk of mid-term liquidation. Nexo’s new offering aims to serve investors, traders, and businesses looking to tap into their crypto wealth without selling their assets or triggering taxable events.
A New Era of Borrowing with Zero-Interest Credit
Nexo’s new Zero-interest Credit marks a shift in crypto lending, prioritizing predictability, transparency, and borrower control. This product is tailored for long-term holders of BTC and ETH who want to maintain market exposure while still accessing liquidity.
Unlike traditional crypto loans, which require users to monitor fluctuating loan-to-value (LTV) ratios and brace for possible forced liquidations, ZiC eliminates that uncertainty. Instead, users choose a fixed term and amount, and from there, a Minimum Repayment Price and Maximum Repayment Price are set. These ensure:
- No risk of liquidation during the loan term.
- An option to lock in market gains up to a cap.
- Clear repayment obligations visible from day one.
At the end of the term, users can repay the loan using stablecoins or their original collateral, depending on the price movement within their repayment range. If users want to maintain the position, they can opt for ZiC Renewal, extending the credit arrangement with updated terms.
Designed for Flexibility Across Investor Types
Zero-interest Credit supports a wide variety of use cases:
- Affluent investors can avoid triggering taxable events while funding major purchases.
- Active traders can access capital to pursue market opportunities without adding risk.
- Businesses can use their crypto reserves to fund operations or strategic plans without selling assets.
By removing fees and interest altogether, ZiC presents an ideal solution for clients who value cost-efficiency and clarity.
Setting a Benchmark in Responsible Crypto Lending
According to Nexo, the market for crypto-backed loans is maturing rapidly. The crypto-collateralised lending market reached $73.59 billion in Q3 2025, marking a 38.5% quarter-over-quarter increase and surpassing previous cycle highs. This reflects a shift toward high-quality collateral and increased participation from institutions.
Elitsa Taskova, Chief Product Officer at Nexo said:
Nexo, currently the second-largest crypto lender globally, sees ZiC as a step forward in delivering more sustainable and user-friendly lending models in the digital asset space.
CoinLaw’s Takeaway
I’ve seen countless crypto loan products come and go, but Nexo’s Zero-interest Credit is refreshingly practical and well-timed. In my experience, the biggest pain points in crypto borrowing have always been unexpected liquidations and unclear repayment terms. With ZiC, Nexo has built something that feels designed around user needs, not lender profits. If you hold BTC or ETH and want flexibility without giving up your market position, this could be one of the cleanest ways to borrow. I found the built-in protection and 0% cost especially compelling in today’s volatile market.
