Bitcoin and Ethereum holders just got a cleaner way to access cash without selling.
Nexo announced the launch of Zero-interest Credit (ZiC) on Thursday, a new borrowing product that charges zero percent interest and zero fees.
What makes this different? Borrowers know exactly when they need to repay from day one, and the loan cannot be liquidated mid-term if markets drop.
For long-term crypto holders tired of watching their collateral at risk, this removes a major headache.
The problem Nexo is solving
Crypto lending used to be simple: you deposit Bitcoin or Ethereum, they lend you stablecoins, and you pay interest each month. But there was always an asterisk.
Markets drop, your collateral loses value, and the lender can force you to repay or face liquidation. For traders and investors, this uncertainty was painful.
Nexo’s new Zero-interest Credit flips the script. Instead of a rolling line of credit with interest charges, this is a fixed-term loan.
You pick how long you need the money, and both sides know upfront whether you will repay in cash or collateral, depending on where crypto prices stand when maturity hits.
The loan cannot be forcibly liquidated during the term.
Simplicity in a complex market
A Bitcoin HODLer (someone holding for the long term) can now borrow $50,000 without selling their BTC, avoiding a taxable event entirely.
A trader pursuing a market opportunity can access capital with defined risk. A business using crypto reserves can finance operations without unwinding positions.
According to Nexo, this product has quietly been available to private clients for a while.
In 2025 alone, it unlocked more than $140 million in liquidity for those customers. Now the company is opening it up to everyone on the platform.
Timing hits a boom market
The launch comes as crypto-backed lending is on fire.
In the third quarter of 2025, total crypto-collateralized lending reached $73.59 billion, a new all-time record and 38.5% growth quarter-over-quarter.
This surpassed the previous peak from 2021, signaling that institutional money is flooding into crypto borrowing.
The key difference from 2021: most of these loans today are fully collateralized and transparent. The wilder, riskier era of uncollateralized lending is gone.
Nexo’s new product reflects this shift. As Elitsa Taskova, the company’s Chief Product Officer, said in the announcement:
Borrowers today want liquidity that is cost-efficient, clear, and free from the uncertainty of liquidation risk.
“Zero-interest Credit gives them exactly that—a fully predefined borrowing structure they can rely on from start to finish,” Taskova added.
What this means for the broader industry
Nexo is betting that predictability beats low rates. In traditional crypto lending, some platforms advertise 0.5% monthly interest, but that compounds and creates hidden risk.
Zero-interest Credit offers clarity instead: no surprises, no creeping costs, no liquidation drama.
The move also underscores how crypto lending is maturing. Centralized platforms like Nexo are competing not on who can offer the cheapest rate, but on who can offer the safest, most transparent product.
With $11 billion in assets under management and presence in 150+ jurisdictions, Nexo is using this new product to defend its position against both DeFi platforms and other centralized lenders.
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