KEY FACTS: Nexo, a prominent cryptocurrency financial services platform, has launched Zero-Interest Credit, enabling Bitcoin (BTC) and Ethereum (ETH) holders to borrow funds against their assets at 0% interest with no additional fees, exclusively through fixed-term loans that offer protection from liquidation and flexible repayment options. Previously available only to high-net-worth and institutional clients via private channels, facilitating over $140 million in volume in 2025, this product is now accessible to a broader audience across Nexo's supported jurisdictions, including its re-entered U.S. market following a 2023 SEC settlement. The offering arrives amid a strong recovery in the crypto lending sector, with centralized platforms emphasizing over-collateralization and transparency, while decentralized finance (DeFi) protocols have seen significant growth in total value locked throughout 2025, underscoring a maturing ecosystem focused on user-friendly, low-risk borrowing solutions for long-term crypto holders.
Nexo
Nexo Introduces Zero-Interest Crypto Loans for Bitcoin and Ethereum Holders
Nexo, a leading digital asset financial services platform, has unveiled its latest product, offering Zero-Interest Credit. This innovative offering allows holders of Bitcoin (BTC) and Ethereum (ETH) to borrow funds against their crypto holdings at zero interest and with no additional fees, marking a significant expansion of accessible structured lending options in the industry.
The announcement comes at a time when the crypto lending sector is experiencing a robust recovery following the tumultuous events of previous years. Nexo's Zero-Interest Credit product is designed specifically for fixed-term loans, providing borrowers with predictable repayment terms and enhanced protection against market volatility.
The Zero-Interest Credit enables BTC and ETH holders to unlock liquidity from their assets without selling them, a common pain point for long-term cryptocurrency investors who wish to avoid triggering taxable events or missing out on potential price appreciation. Key features of the new product include:
- Zero APR and No Fees: Borrowers pay absolutely no interest or hidden charges, making it one of the most cost-effective borrowing options in the crypto space.
- Fixed-Term Structure: Users select their desired loan amount and duration upfront, with all repayment conditions predefined.
- Liquidation Protection: Unlike traditional over-collateralized loans that can face margin calls during market dips, these loans cannot be liquidated before maturity.
- Flexible Settlement Options: At the end of the term, loans can be repaid using stablecoins or, depending on market conditions, the underlying collateral itself.
- Renewal Capability: Borrowers have the option to renew the loan under updated terms upon maturity.
This structured approach ensures greater certainty for users, shielding them from the unpredictable swings that have plagued variable-rate crypto loans in the past.
Previously, similar fixed-term lending products were available only through Nexo's private and over-the-counter (OTC) channels, catering primarily to high-net-worth individuals and institutional clients. In 2025 alone, these exclusive offerings facilitated over $140 million in borrowing volume. By bringing Zero-Interest Credit to a broader audience, Nexo is democratizing access to these premium lending structures, now available to BTC and ETH holders across the platform's supported jurisdictions.
Founded in 2018, Nexo has established itself as a comprehensive crypto financial services provider, offering everything from crypto-backed loans and trading to high-yield savings accounts. The platform operates in more than 150 jurisdictions worldwide, serving millions of users seeking sophisticated ways to manage their digital assets.
The company's journey has not been without challenges. In late 2022, Nexo withdrew from the U.S. market amid regulatory scrutiny. However, after reaching a $45 million settlement with the U.S. Securities and Exchange Commission (SEC) in early 2023, Nexo made a triumphant reentry into the American market in April 2025. This return has been part of a broader strategy to expand services while adhering to evolving regulatory standards.
The launch of Zero-Interest Credit builds on this momentum, reinforcing Nexo's position as an innovator in conservative, fully collateralized lending models.
The notable resurgence in the crypto lending ecosystem succeeds severe setbacks faced in 2022, with high-profile collapses such as Celsius Network and BlockFi contributing to widespread contagion following the FTX debacle. These events exposed the risks of under-collateralized or poorly managed lending practices, leading to a more cautious industry approach.
In 2025, centralized finance (CeFi) platforms like Nexo, Ledn, Xapo Bank, and Coinbase have prioritized transparency and over-collateralization to rebuild trust. Meanwhile, decentralized finance (DeFi) protocols have seen explosive growth. According to data from DefiLlama, the total value locked (TVL) in DeFi lending protocols surged from $48.15 billion at the start of 2025 to a peak of $91.98 billion on October 7, before settling around $66 billion by November following a significant liquidation event on October 10.
Leading the DeFi charge is Aave, boasting approximately $22 billion in outstanding loans and $55 billion in deposited assets. Close behind is Morpho, with $3.6 billion in loans and $10 billion in supplied liquidity. This parallel growth in CeFi and DeFi underscores a maturing market where borrowers have more options than ever, from fully centralized services to permissionless protocols.
For Bitcoin and Ethereum holders, Nexo's Zero-Interest Credit represents a compelling tool for managing liquidity in a bull market or during periods of accumulation. By borrowing at zero cost, users can fund expenses, investments, or even leverage positions without diluting their long-term holdings.
Industry observers see this as a step toward bridging traditional finance and crypto, offering loan structures reminiscent of fixed-rate mortgages or bonds but backed by digital assets. Meanwhile, Nexo has not disclosed specific borrowing limits or minimums in the initial announcement, but the product is now live for eligible users holding BTC or ETH on the platform. With operations spanning 150 jurisdictions, including a renewed presence in the United States, the offering is expected to see rapid uptake among retail and sophisticated investors alike.
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