Zero-Interest Credit wins Consumer Lending Product of the Year at the FinTech Breakthrough Awards

We’re excited to share that Nexo’s Zero-Interest Credit (ZiC) has been named “Consumer Lending Product of the Year” in the 10th annual FinTech Breakthrough Awards.

Zero-Interest Credit enables clients to borrow against Bitcoin and Ethereum at 0% APR with no fees, eliminating the risk of mid-term liquidation through a fixed-duration structure with predefined repayment parameters — a first in crypto-backed lending.

The recognition comes as crypto-collateralized lending continues to evolve toward greater structural discipline and resilience. The market remains a nearly $70 billion segment of digital assets finance, with centralized lenders demonstrating strengthening collateral discipline and risk management across the sector, reinforcing the relevance of maturity-based lending models like Zero-Interest Credit.

With predefined duration and price boundaries, ZiC delivers predetermined outcomes at maturity — even during sharp market volatility. No margin calls, no mid-term liquidations.

Since launch, Zero-Interest Credit has generated over $140 million in total loan volume, with a 76% borrower renewal rate and an average of 4.28 renewals per user.

“Nexo is redefining crypto-backed lending with its Zero-Interest Credit innovation, creating a paradigm shift in crypto credit. Through Zero-Interest Credit, Nexo introduces predefined, transparent parameters that reduce reliance on reactive liquidation triggers. Nexo delivers a more structured and resilient approach to digital asset lending. We’re pleased to recognize Zero-Interest Credit as ‘Consumer Lending Product of the Year.’”

— Steve Johansson, Managing Director, FinTech Breakthrough

“Crypto credit has matured significantly in recent years, and borrowers increasingly expect clearly defined outcomes and stronger collateral discipline. Zero-Interest Credit reflects that evolution by introducing agreed maturity parameters in place of reflexive liquidation mechanics, designed for predictability across market cycles. We’re honored to see this innovation recognized.”

— Elitsa Taskova, Chief Product Officer, Nexo