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Nexo has launched a new borrowing product that allows Bitcoin (BTC) or Ethereum (ETH) holders to access liquidity at 0% interest, according to an announcement shared with Finbold on Wednesday, January 8.
The product, called Zero-interest Credit (ZiC), joins Nexo’s existing credit offerings and provides fixed-term crypto-backed borrowing with no interest charges or fees.
The structure is designed to offer a predefined repayment path from the outset and eliminate the risk of premature forced liquidation during the loan term.
Fixed-term borrowing structure
According to Nexo, Zero-interest Credit enables users to borrow against BTC and ETH for a fixed term, with repayment terms set at the start of the loan. Each position includes a Minimum Repayment Price that prevents liquidation during the term and a Maximum Repayment Price that allows borrowers to lock in gains up to a predefined level.
At maturity, clients can repay the loan using stablecoins or collateral, depending on market conditions. Nexo also said the product includes a renewal option that allows borrowers to extend the arrangement with updated terms without unwinding the existing position.
“Borrowers today want liquidity that is cost-efficient, clear, and free from the uncertainty of liquidation risk,” said Elitsa Taskova, Chief Product Officer at Nexo. “Zero-interest Credit gives them exactly that—a fully predefined borrowing structure they can rely on from start to finish.”
Designed for a range of users
Nexo said the product is intended for a broad range of users, including long-term crypto holders seeking liquidity without selling assets, investors managing the timing of taxable events or major purchases, active traders pursuing market opportunities with defined terms, and businesses using digital assets to finance operations or strategic plans.
The company also cited market data showing that crypto-collateralized lending reached $73.59 billion in the third quarter of 2025, up 38.5% quarter over quarter and exceeding the previous market cycle peak.
Nexo said Zero-interest Credit reflects its ongoing focus on developing structured crypto-backed borrowing solutions as digital assets continue to be used as collateral.
Featured image via Nexo.
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