TLDR
- Nexo has introduced a zero-interest lending product called Zero-interest Credit for Bitcoin and Ether holders.
- The loans are fixed-term and fully collateralized with no risk of liquidation before the loan matures.
- Borrowers choose the loan amount and duration in advance and repayment can be made in stablecoins or collateral.
- This structured lending model was previously available only through Nexo’s private and OTC channels.
- Nexo facilitated over 140 million dollars in borrowing through this model during 2025.
Nexo has introduced a new lending product called Zero-interest Credit, which enables users to borrow against Bitcoin and Ether without interest. The product provides fixed-term loans with pre-agreed conditions, preventing early liquidation and enabling repayment via stablecoins or collateral. This move brings Nexo’s structured credit model to its retail users, following over $140 million in private channel loans in 2025.
Bitcoin Loans Come with Pre-Defined Terms
Nexo now allows Bitcoin holders to access zero-interest fixed-term loans through its new Zero-interest Credit product, launched this week. The borrower selects the loan size and duration upfront, while Nexo guarantees no liquidation before the end of the term. Loans are repaid either in stablecoins or collateral based on prevailing market conditions.
The company previously offered this structure only to private and OTC clients, recording $140 million in borrowing during 2025. With this expansion, the service becomes available to the wider public through Nexo’s main platform. The terms are fixed at loan initiation and cannot be changed until maturity.
Loans settle at the end of the term, offering users flexibility depending on asset performance or liquidity needs. Borrowers can also choose to renew the loan under a new agreement after maturity. Nexo emphasizes that all conditions remain transparent throughout the loan duration.
ETH Users Gain Access to Same Lending Terms
Ether holders can also use the same fixed-term loan product, mirroring Bitcoin borrowers’ terms with zero interest charged. The borrower decides repayment terms at the beginning, and no margin calls or liquidations will occur before the loan expires. Repayment can happen in stablecoins or collateral, depending on the user’s situation at maturity.
A Nexo spokesperson confirmed, “Our aim is to provide institutional-grade lending products to all crypto users in a transparent, fixed manner.”
This move supports wider access to conservative borrowing tools for Ether users under fixed, clear structures. It reflects growing demand for low-risk borrowing products with predictable outcomes.
With the new offering, Nexo expands its crypto lending reach while maintaining strict collateralized terms. Fixed repayment boundaries and no-interest commitments make the product appealing to users seeking stable loan solutions. The platform enables a seamless borrowing experience with no hidden conditions or mid-term risks.
Nexo Expands Services and Reenters U.S. Market
Nexo launched this product after expanding its services in 2025, reentering the U.S. market after settling a $45 million SEC case in 2023. The company now operates in 150 jurisdictions and offers loans, trading, and savings services using digital assets as collateral. This launch aligns with a broader shift in centralized lending towards fully collateralized, transparent structures.
Crypto lending has transformed since 2022, when Celsius and BlockFi were criticized following the FTX crisis. Centralized platforms like Nexo, Ledn, and Coinbase responded by adopting conservative models to rebuild trust. These platforms now emphasize full collateral coverage and fixed repayment obligations.
Meanwhile, decentralized finance (DeFi) lending has shown strong user growth in 2025, despite recent market fluctuations. DeFi lending TVL peaked at $91.98 billion in October before declining following a liquidation event. As of now, the total value locked in DeFi lending products stands at approximately $66 billion.
Aave currently leads the DeFi lending market, with $22 billion in active loans supported by $55 billion in assets. Morpho follows, offering $3.6 billion in outstanding loans backed by around $10 billion in deposits.
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