Nexo introduces Zero-interest Credit for BTC and ETH holders
Nexo has introduced a zero-interest crypto lending product that enables Bitcoin and Ether holders to secure fixed-term loans using their digital assets as collateral.
In a company announcement, Nexo said the new offering, called Zero-interest Credit, provides fixed-term loans for users holding Bitcoin (BTC) and Ether (ETH), with repayment terms set in advance. Loans are due at maturity and can be repaid in stablecoins or by using collateral, subject to market conditions.
The launch broadens Nexo’s structured lending framework, which had previously been accessible only via the firm’s private and over-the-counter channels and supported more than $140 million in borrowing during 2025, according to the company.
Borrowers select the loan amount and duration upfront. Terms are designed to prevent liquidation before maturity and specify the repayment range. At the end of the term, loans can be settled in stablecoins or through collateral, with the option to renew under updated terms.
Founded in 2018, Nexo offers crypto-backed loans, trading, and savings products across 150 jurisdictions.
In April 2025, the company stated it would reenter the United States market after exiting in late 2022 and resolving a Securities and Exchange Commission matter for $45 million in early 2023.
DeFi lending expands in 2025
Crypto lending has changed substantially since 2022, when firms such as Celsius and BlockFi were widely cited as contributors to market contagion and the broader fallout from the FTX collapse.
In 2025, centralized lenders including Nexo, Ledn, Xapo Bank, and Coinbase increased their crypto lending services under more conservative, fully collateralized models, while decentralized finance (DeFi) lending protocols also saw strong growth.
According to DefiLlama, DeFi lending total value locked (TVL) rose from about $48.15 billion on Jan. 1, 2025, to a peak of $91.98 billion on Oct. 7, 2025.
Following the Oct. 10 crypto liquidation event, TVL trended lower but stabilized in November and is currently around $66 billion.
According to DefiLlama data, Aave leads the DeFi lending market with more than $22 billion in outstanding loans backed by over $55 billion in deposits.
Morpho ranks second, with roughly $3.6 billion in outstanding loans supported by about $10 billion in supplied liquidity.
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