Key Takeaways
- • Nexo has expanded its Zero-Interest Credit (ZiC) product to include Solana (SOL) and XRP collateral alongside existing Bitcoin and Ethereum support, enabling borrowing at 0% annual interest with zero fees across four major digital assets.
- • The product delivered over $140 million in liquidity access during 2025, with a structure designed to eliminate liquidation risk through predefined repayment price parameters that protect collateral throughout the loan term.
- • Zero-Interest Credit targets institutional and sophisticated investors seeking liquidity without forced asset sales, including BTC/ETH holders managing tax timing, traders executing defined-risk strategies, and businesses financing operations with crypto collateral.
- • The borrowing solution features customizable terms, tax efficiency, and settlement flexibility (USDC or USDT repayment), with Nexo offering Platinum tier benefits (enhanced yields and lowest rates) for 30 days upon signup.
- • Nexo, operating since 2018 with $8+ billion in assets under management, received FinTech Breakthrough Awards' "Consumer Lending Product of the Year" recognition in 2026, positioning ZiC as a institutional-grade crypto credit alternative.
Summary
Nexo has announced the expansion of its Zero-Interest Credit (ZiC) product to include Solana and XRP holders, broadening a borrowing solution previously available only through Bitcoin and Ethereum collateral. The expansion represents a material widening of the platform's crypto lending accessibility across four major digital asset classes, with all loans structured at 0% annual interest and zero fees—a structural advantage over traditional crypto-backed lending products that typically charge variable interest tied to market conditions.
The product design addresses a core institutional need: accessing liquidity without liquidation risk or forced asset sales. ZiC employs predefined Minimum and Maximum Repayment Prices that contractually protect the collateral from forced liquidation, even during significant market volatility. Borrowers select their collateral amount, loan duration, and settlement currency (USDC or USDT) upfront, creating full transparency and eliminating the ongoing margin-call surveillance that characterizes conventional crypto lending. This structure is particularly relevant for high-net-worth investors managing large positions who wish to avoid taxable sale events while funding major purchases or strategic acquisitions.
During 2025, the Zero-Interest Credit product enabled access to over $140 million in liquidity, indicating institutional adoption prior to the Solana and XRP expansion. The target user base spans sophisticated investors, active traders pursuing defined-risk market opportunities, and institutional entities using digital assets as operational financing tools. One-tap renewal functionality allows seamless transition into subsequent loan terms without unlocking collateral, reducing operational friction for repeat borrowers.
Nexo's institutional positioning is reinforced by its $8+ billion assets under management and operating history since 2018. The platform received the FinTech Breakthrough Awards' "Consumer Lending Product of the Year" accolade in 2026, though the institutional sophistication of ZiC's structure—customizable terms, tax efficiency, and predictable settlement mechanics—positions it distinctly within the alternative credit and private lending category rather than traditional consumer lending. New account holders receive Platinum tier status for 30 days, providing enhanced yields and lowest available borrowing rates as an onboarding incentive.
The product design addresses a core institutional need: accessing liquidity without liquidation risk or forced asset sales. ZiC employs predefined Minimum and Maximum Repayment Prices that contractually protect the collateral from forced liquidation, even during significant market volatility. Borrowers select their collateral amount, loan duration, and settlement currency (USDC or USDT) upfront, creating full transparency and eliminating the ongoing margin-call surveillance that characterizes conventional crypto lending. This structure is particularly relevant for high-net-worth investors managing large positions who wish to avoid taxable sale events while funding major purchases or strategic acquisitions.
During 2025, the Zero-Interest Credit product enabled access to over $140 million in liquidity, indicating institutional adoption prior to the Solana and XRP expansion. The target user base spans sophisticated investors, active traders pursuing defined-risk market opportunities, and institutional entities using digital assets as operational financing tools. One-tap renewal functionality allows seamless transition into subsequent loan terms without unlocking collateral, reducing operational friction for repeat borrowers.
Nexo's institutional positioning is reinforced by its $8+ billion assets under management and operating history since 2018. The platform received the FinTech Breakthrough Awards' "Consumer Lending Product of the Year" accolade in 2026, though the institutional sophistication of ZiC's structure—customizable terms, tax efficiency, and predictable settlement mechanics—positions it distinctly within the alternative credit and private lending category rather than traditional consumer lending. New account holders receive Platinum tier status for 30 days, providing enhanced yields and lowest available borrowing rates as an onboarding incentive.
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