Nexo, a digital assets wealth platform, has introduced Zero-interest Credit (ZiC) as a new borrowing solution. ZiC enables Bitcoin and Ethereum holders to access liquidity at a 0% interest rate over a fixed term, designed to mitigate the risk of premature forced liquidation. This offering expands upon structured zero-interest borrowing previously available through Nexo’s private and OTC services, which facilitated over $140 million in liquidity in 2025.
Zero-interest Credit is designed for a diverse client base, including investors, traders, and businesses. It supports BTC and ETH holders who prefer to retain their assets rather than sell them, affluent investors managing tax implications or funding major acquisitions, active traders seeking market opportunities with defined risk parameters, and businesses utilizing digital assets for operational financing or strategic initiatives.
ZiC aims to provide predictability in crypto-backed credit. Unlike traditional models requiring constant monitoring of Loan-to-Value (LTV) ratios, clients using ZiC can borrow at 0% interest with a stable structure. Each ZiC position includes a predefined repayment path visible from the outset. Clients select the term and amount, and the built-in Minimum Repayment Price prevents loan liquidation mid-term, while the Maximum Repayment Price allows clients to secure gains up to a specified level. Repayment at maturity can be made in stablecoins or with collateral, with an option for ZiC Renewal to extend the arrangement under new terms.
Elitsa Taskova, Chief Product Officer at Nexo, stated, “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.”
The introduction of ZiC aligns with a market shift towards structured credit models that emphasize predictability as borrowing demand grows for digital assets. Crypto-collateralized lending reached $73.59 billion in Q3 2025, marking a 38.5% quarter-over-quarter increase and surpassing the previous market cycle peak. Nexo, established in 2018 and recognized as the world’s second-largest crypto lender, maintains over $11 billion in assets under management and has processed $371 billion. The company provides services in over 150 jurisdictions, offering high-yield savings, crypto-backed loans, trading tools, and liquidity solutions, including a crypto debit/credit card.
