Nexo Launches Zero-Interest Credit Product for Crypto Holders

The company’s latest product allows users to unlock cash against Bitcoin or Ethereum at 0% interest, signaling a shift toward more predictable, structured crypto-backed lending.

The new offering, called Zero-interest Credit (ZiC), expands Nexo’s credit lineup by eliminating both interest charges and hidden fees. Unlike open-ended crypto loans, ZiC is built around a fixed-duration framework, meaning borrowers know exactly how the position will behave from day one through maturity.

Borrowing with defined outcomes

Under the ZiC structure, users borrow against their crypto for a predetermined term, with built-in price thresholds that govern how the loan behaves. A Minimum Repayment Price acts as a safeguard, preventing forced liquidation during the loan period, while a Maximum Repayment Price allows borrowers to cap repayment if the market moves in their favor.

When the loan reaches maturity, borrowers can choose how to settle the position — either by repaying in stablecoins or by using their posted collateral, depending on market conditions. Nexo has also included a renewal mechanism, enabling clients to roll the loan forward under updated terms without closing the original position.

According to Nexo’s Chief Product Officer Elitsa Taskova, the goal is to remove uncertainty from crypto borrowing. She said the product was designed for users who want liquidity that is “cost-efficient, transparent, and free from liquidation risk.”

A response to growing demand for crypto-backed credit

Nexo positions ZiC as a flexible tool for multiple use cases — from long-term holders avoiding asset sales, to traders seeking defined leverage, to businesses financing operations with digital assets on their balance sheets.
The launch comes as crypto-collateralized lending continues to expand. Industry data cited by the company shows the market reached $73.59 billion in the third quarter of 2025, rising nearly 39% quarter over quarter and surpassing the peak of the previous cycle.

With Zero-interest Credit, Nexo appears to be betting that the next phase of crypto lending will favor structured, predictable products over variable-rate loans exposed to sudden liquidation. As digital assets increasingly serve as collateral rather than speculative instruments, borrowing models that prioritize clarity and risk control may become the industry standard.

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