Nexo has introduced a new borrowing model aimed at crypto holders who want liquidity without interest costs or liquidation anxiety.
The company’s latest product allows users to unlock cash against Bitcoin or Ethereum at 0% interest, signaling a shift toward more predictable, structured crypto-backed lending.
Key takeaways
- Nexo has launched a zero-interest borrowing product backed by Bitcoin and Ethereum.
- Loans are fixed-term, with all repayment conditions defined upfront.
- The structure removes liquidation risk during the loan term.
- The product targets both individual and institutional crypto users.
The new offering, called Zero-interest Credit (ZiC), expands Nexo’s credit lineup by eliminating both interest charges and hidden fees. Unlike open-ended crypto loans, ZiC is built around a fixed-duration framework, meaning borrowers know exactly how the position will behave from day one through maturity.
Borrowing with defined outcomes
Under the ZiC structure, users borrow against their crypto for a predetermined term, with built-in price thresholds that govern how the loan behaves. A Minimum Repayment Price acts as a safeguard, preventing forced liquidation during the loan period, while a Maximum Repayment Price allows borrowers to cap repayment if the market moves in their favor.
When the loan reaches maturity, borrowers can choose how to settle the position — either by repaying in stablecoins or by using their posted collateral, depending on market conditions. Nexo has also included a renewal mechanism, enabling clients to roll the loan forward under updated terms without closing the original position.
According to Nexo’s Chief Product Officer Elitsa Taskova, the goal is to remove uncertainty from crypto borrowing. She said the product was designed for users who want liquidity that is “cost-efficient, transparent, and free from liquidation risk.”
A response to growing demand for crypto-backed credit
Nexo positions ZiC as a flexible tool for multiple use cases — from long-term holders avoiding asset sales, to traders seeking defined leverage, to businesses financing operations with digital assets on their balance sheets.
The launch comes as crypto-collateralized lending continues to expand. Industry data cited by the company shows the market reached $73.59 billion in the third quarter of 2025, rising nearly 39% quarter over quarter and surpassing the peak of the previous cycle.
With Zero-interest Credit, Nexo appears to be betting that the next phase of crypto lending will favor structured, predictable products over variable-rate loans exposed to sudden liquidation. As digital assets increasingly serve as collateral rather than speculative instruments, borrowing models that prioritize clarity and risk control may become the industry standard.
The information provided in this article is for educational purposes only and does not constitute financial, investment, or trading advice. Coindoo.com does not endorse or recommend any specific investment strategy or cryptocurrency. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.
Alex is an experienced financial journalist and cryptocurrency enthusiast. With over 8 years of experience covering the crypto, blockchain, and fintech industries, he is well-versed in the complex and ever-evolving world of digital assets. His insightful and thought-provoking articles provide readers with a clear picture of the latest developments and trends in the market. His approach allows him to break down complex ideas into accessible and in-depth content. Follow his publications to stay up to date with the most important trends and topics.
Source: https://coindoo.com/nexo-launches-zero-interest-credit-product-for-crypto-holders/