Nexo launches zero-interest crypto loans for Bitcoin and Ether holders
Nexo has launched a zero-interest crypto lending product that allows Bitcoin and Ether holders to borrow against their assets over a fixed period of time.
According to the company's announcement, the product, called Zero Interest Credit, offers fixed-term loans with pre-set repayment terms to users holding Bitcoin (BTC) and ETH (ETH). Loans are guaranteed at maturity and can be repaid using stablecoin or collateral depending on market conditions.
The offering expands the structured lending model that was previously only available through Nexo's personal and OTC channels. By 2025, it would have facilitated more than $140 million in loans, the company said.
Borrowers choose the loan amount and tenure up front, with terms that prevent pre-maturity liquidation and set repayment limits. At the end of the term, loans can be resolved using a permanent loan or guarantee, with an option to renew under new terms.
Nexo is a crypto financial services company founded in 2018 that provides crypto-backed loans, business and savings services to users in 150 countries.
In April 2025, the company It said it will enter the U.S. market after its release in late 2022 and settle a $45 million lawsuit with the Securities and Exchange Commission in early 2023.
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The Defi loan will grow in 2025
Crypto lending has improved significantly since 2022, when companies like Celsius and BlockFi were widely blamed for exaggerating market spreads and exacerbating the fallout from the FTX collapse.
In the year In 2025, centralized lenders including Nexo, Ledn, Xapo Bank and Coinbase expanded their crypto lending offerings under more conservative, fully collateralized structures, while decentralized finance (DeFi) protocols saw strong growth.
According to Defillama data, DFI loan products have increased from a total value locked (TVL) of about $48.15 billion on January 1, 2025, to a peak of $91.98 billion on October 7, 2025.
Although the market trended lower following the October 10 crypto liquidation event, activity remained stable in November, with Total Value Locked (TVL) currently hovering around $66 billion.
The DeFi loan market is led by Aave, with more than $22 billion in outstanding loans backed by more than $55 billion in accumulated assets, according to Defillama data.
Morpho ranks No. 2, with approximately $3.6 billion in outstanding loans backed by $10 billion in backed loans.
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