Nexo Launches Zero-Interest Credit for Bitcoin and Ethereum Holders

Nexo, a leading digital assets wealth platform, has announced the launch of Zero-interest Credit (ZiC), a new borrowing solution that allows Bitcoin and Ethereum holders to access liquidity at 0% interest. This offering joins the Nexo Credit Line as a flagship product, providing a fixed-duration term free from the risk of premature forced liquidation. The announcement was made here.

Previously available through Nexo’s Private and OTC services, structured zero-interest borrowing has been a tool for Nexo’s private channels. Now, it is broadly accessible through Zero-interest Credit, which has facilitated over $140 million in liquidity in 2025.

How Zero-Interest Credit Supports Various Clients

Zero-interest Credit is designed for a wide range of clients, including BTC and ETH holders who prefer not to sell their assets, affluent investors managing taxable events, active traders seeking market opportunities, and businesses using digital assets for financing operations. This solution allows clients to maintain their long-term positioning while accessing necessary liquidity.

ZiC offers predictability in crypto-backed credit, eliminating the need to monitor loan-to-value (LTV) ratios or worry about market-driven liquidations. Clients can borrow at 0% interest with a predefined repayment path visible from the start. The Minimum Repayment Price ensures loans cannot be liquidated mid-term, while the Maximum Repayment Price allows clients to lock in gains. At maturity, repayment can be settled in stablecoins or with collateral, depending on market conditions. Additionally, ZiC Renewal offers the option to extend the arrangement with refreshed terms.

Setting a New Standard in Crypto Lending

As demand for borrowing grows and major digital assets solidify their role as strong collateral, the market is shifting towards structured models prioritizing predictability and client control. In Q3 2025, crypto-collateralized lending reached $73.59 billion, a 38.5% increase quarter-over-quarter, surpassing previous peaks. This growth reflects stronger collateral quality and deeper institutional participation.

Nexo, a pioneer in crypto-backed credit and currently the world’s second-largest crypto lender, continues to shape the industry with Zero-Interest Credit. This solution positions Nexo at the forefront of responsible credit innovation, aligning with the current borrowing landscape.

Why This Matters: Impact, Industry Trends & Expert Insights

Nexo has launched Zero-interest Credit for Bitcoin and Ethereum holders, allowing them to access liquidity without incurring interest costs. This development represents a significant shift in the crypto lending landscape.

A recent Coinpedia report highlights the rapid growth in crypto-collateralized lending, with market size expected to exceed $90 billion in 2026. This aligns with Nexo’s introduction of zero-interest credit, which offers an innovative approach to accessing liquidity without traditional interest costs, reflecting broader industry trends towards more flexible lending solutions.

As per insights from Coin Bureau, zero-interest credit lines are typically available as a bespoke benefit for high-net-worth clients rather than a mass-market product. This reinforces the strategic positioning of Nexo’s offering as an exclusive service, potentially attracting more affluent and institutional clients seeking tailored financial solutions.

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