Swiss-headquartered digital assets wealth platform Nexo has announced the launch of its flagship borrowing product, Zero-interest Credit (ZiC), offering Bitcoin and Ethereum holders access to liquidity at 0% APR with no risk of forced liquidation during the loan term.
The new product enables clients to borrow against their BTC and ETH holdings without selling their assets, providing a structured alternative to traditional variable-interest crypto lending. According to Nexo's official statement, ZiC is designed for long-term holders who want liquidity without sacrificing their market position, affluent investors managing taxable events, active traders pursuing opportunities with defined risk, and businesses using digital assets to finance operations.
Elitsa Taskova, Chief Product Officer at Nexo, explained the product's rationale: "Borrowers today want liquidity that is cost-efficient, clear, and free from the uncertainty of liquidation risk. Zero-interest Credit gives them exactly that—a fully predefined borrowing structure they can rely on from start to finish."
Each ZiC position includes a built-in Minimum Repayment Price that prevents liquidation before maturity, regardless of market price fluctuations, and a Maximum Repayment Price that allows borrowers to cap their repayment exposure and lock in gains if prices move favorably. Clients select their term and amount, with full visibility into their repayment obligations from day one.
At maturity, borrowers can settle loans using stablecoins or their pledged collateral, depending on where market prices fall within their predefined range. The company also offers a ZiC Renewal option that allows clients to extend arrangements with refreshed terms without closing and reopening loans.
The launch comes as crypto-collateralized lending reached $73.59 billion in Q3 2025, representing a 38.5% quarter-over-quarter increase and surpassing previous cycle peaks. Nexo, which positions itself as the world's #2 crypto lender, sees this growth reflecting stronger collateral quality and deeper institutional participation in the sector.
Separately, Nexo has established a $150 million in-house Web3 investment fund through Nexo Ventures, focused on backing projects in blockchain gaming, decentralized finance, and non-fungible tokens. The venture arm has already deployed capital into companies including 1inch, BCB Group, BlockFills, Bware Labs, and Yield Protocol.
