Nexo has launched a brand new borrowing product that enables Bitcoin (BTC) or Ethereum (ETH) holders to entry liquidity at 0% curiosity, in response to an announcement shared with Finbold on Wednesday, January eighth.
The product, referred to as Zero Curiosity Credit score (ZiC), joins Nexo's present credit score choices and provides crypto-backed fixed-term borrowing with out curiosity or charges.
This construction is designed to offer a predetermined reimbursement path from the outset and remove the danger of early liquidation throughout the mortgage time period.
Time period mortgage system
In keeping with Nexo, zero-interest credit score permits customers to borrow towards BTC and ETH for a set interval, with reimbursement phrases set at first of the mortgage. Every place features a minimal reimbursement worth that stops liquidation throughout the interval and a most reimbursement worth that enables the borrower to lock in earnings as much as a predefined stage.
At maturity, prospects can repay the mortgage utilizing stablecoins or collateral relying on market circumstances. Nexo additionally mentioned the product features a renewal choice that enables the borrower to increase the contract on up to date phrases with out unwinding the present place.
“In the present day's debtors need liquidity that’s cost-effective, clear, and free from the uncertainty of liquidation threat.” mentioned Elitsa Taskova, Chief Product Officer at Nexo. “Curiosity-free credit score offers simply that: a totally predefined borrowing construction which you could depend on from begin to end.”
Designed for a variety of customers
Nexo mentioned the product is geared toward a variety of customers, together with long-term crypto holders looking for liquidity with out promoting property, traders managing the timing of taxable occasions and enormous 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 exhibiting 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 mentioned the zero-interest credit score displays its continued deal with growing structured crypto-backed borrowing options as digital property proceed for use as collateral.
Featured picture by way of Nexo.
