Nexo adds 0% credit lines for Solana and XRP holders

Nexo extends its 0% APR, no‑liquidation Zero-interest Credit to Solana and XRP, targeting holders who want dollar liquidity without selling their crypto.

Nexo is expanding its Zero-interest Credit product to include Solana’s SOL and Ripple’s XRP as collateral, becoming the first major platform to offer 0% APR, no‑liquidation loans against either asset alongside its existing Bitcoin and Ethereum support.

The company is describing Zero-interest Credit (ZiC) as a fixed‑term borrowing product that lets users “borrow against your BTC (BTC), ETH (ETH), SOL (SOL), or XRP (XRP) at zero interest and zero fees,” with clients accessing dollar‑denominated liquidity without selling spot holdings or facing margin calls during the loan term.

Nexo opens 0% APR credit to SOL and XRP

ZiC has already generated more than $170 million in total loan volume with a 66% borrower renewal rate, and Nexo says over half of all ZiC proceeds remain on its platform, suggesting users are borrowing to reallocate within the ecosystem rather than exiting crypto exposure.

According to Nexo Chief Product Officer Elitsa Taskova, the firm is “always believed in being where the market is going, not where it already is,” adding that “Zero-interest Credit set a new standard for Bitcoin and Ethereum holders, and expanding it to Solana and Ripple is the logical next step, one we are taking before anyone else.”

The updated product offers 0% APR at a 30% loan‑to‑value (LTV) ratio for SOL and XRP, with minimum collateral thresholds of 100 SOL or 5,000 XRP; by comparison, the general ZiC term sheet lists minimum deal sizes starting from 50% of the USD value of 0.1 BTC or 1 ETH, with individual loans capped at $5 million.

Zero-interest Credit was first unveiled in January, when Nexo introduced it as a fixed‑term alternative to its existing credit line and highlighted that it “enables Bitcoin and Ethereum holders to access liquidity at 0% interest through a fixed‑duration term, free from the risk of premature forced liquidation,” having already unlocked more than $140 million in liquidity through its private and OTC channels.

The product went on to win “Consumer Lending Product of the Year” at the FinTech Breakthrough Awards in March 2026, an accolade Nexo framed as recognition that ZiC is “designed to change the way digital asset lending works” by removing mid‑term liquidations and clarifying repayment terms from day one.

Nexo’s push comes amid a broader build‑out in DeFi and crypto‑backed lending; in a previous crypto.news story, sector data showed DeFi total value locked surging to $134.7 billion while the total crypto market cap broke the $3.7 trillion mark, underscoring growing demand for yield, leverage, and structured credit products across chains.

Crypto lending platforms have increasingly targeted users who want liquidity without selling their holdings, a trend reflected earlier this year when CryptoQuant data flagged roughly $863 million in Nexo loans outstanding even as broader markets were experiencing a pullback, with clients apparently using debt rather than spot sales to manage volatility.

Nexo says Zero-interest Credit is built for clients who “want liquidity without sacrificing their long-term positioning,” from high‑net‑worth investors deferring taxable events to active traders chasing market opportunities with defined downside, a positioning that dovetails with the sharp rise in structured DeFi products and cross‑chain borrowing infrastructure.