Nexo has launched a brand new borrowing product that enables Bitcoin (BTC) or Ethereum (ETH) holders to entry liquidity at 0% curiosity, based on an announcement shared with Finbold on Wednesday, January eighth.
The product, referred to as Zero Curiosity Credit score (ZiC), joins Nexo’s current credit score choices and presents crypto-backed fixed-term borrowing with out curiosity or charges.
This construction is designed to supply a predetermined reimbursement path from the outset and get rid of the chance of early liquidation through the mortgage time period.
Time period mortgage system
In keeping with Nexo, zero-interest credit score permits customers to borrow in opposition to BTC and ETH for a hard and fast interval, with reimbursement phrases set at the start of the mortgage. Every place features a minimal reimbursement value that forestalls liquidation through the interval and a most reimbursement value that enables the borrower to lock in income as much as a predefined stage.
At maturity, prospects can repay the mortgage utilizing stablecoins or collateral, relying on market situations. Nexo additionally stated the product features a renewal choice that enables the borrower to increase the contract on up to date phrases with out unwinding the prevailing place.
“Right now’s debtors need liquidity that’s cost-effective, clear, and free from the uncertainty of liquidation threat.” stated Elitsa Taskova, Chief Product Officer at Nexo. “Curiosity-free credit score supplies simply that: a completely predefined borrowing construction that you would be able to depend on from begin to end.”
Designed for a variety of customers
Nexo stated the product is aimed toward a variety of customers, together with long-term crypto holders in search of liquidity with out promoting property, traders managing the timing of taxable occasions and huge purchases, lively merchants pursuing market alternatives with outlined phrases, and companies utilizing digital property to finance operations and strategic plans.
The corporate additionally cited market information displaying that crypto-backed loans reached $73.59 billion in Q3 2025, a rise of 38.5% sequentially and surpassing the height of the earlier market cycle.
Nexo stated the zero-interest credit score displays its continued deal with creating structured crypto-backed borrowing options as digital property proceed for use as collateral.
Featured picture through Nexo.
