Zero-interest Credit, built for peace of mind.
Operating
since 2018
since 2018
Ranked #2 CeFi lender in total loan volume
by Galaxy Research, Q2&Q3 2025
by Galaxy Research, Q2&Q3 2025
Assets under management
$11+ billion
$11+ billion
Nexo pioneered crypto-backed credit. Today, we’re advancing it once again. Zero-interest Credit mirrors how digital wealth is evolving — toward clearer outcomes, greater control, and zero hidden complexity.
The product began as part of Nexo Private, our most exclusive suite of solutions. Its rapid adoption resulted in over $140 million in Zero-interest Credits issued within a single year. Once its impact became clear, it reinforced a fundamental Nexo belief — proven wealth-building solutions should be open to all, not just a few.
Zero-interest Credit gives you liquidity when you need it, clarity on how it settles, and assurance against liquidation.
The Zero-interest Credit operates within a repayment price range, defined by two price points — a Minimum Repayment Price and a Maximum Repayment Price. Pick the ones that work best for you. These price points bring clarity and predictability to your credit at settlement. There are three possible scenarios, detailed below.
Every client has different needs. Explore our in-depth comparison to see which Nexo credit solution is right for you.
| Zero-interest Credit | Credit Line | |
|---|---|---|
Designed for | Predictability | Flexibility |
Annual interest rate | 0% for everyone | From 2.9%, based on Loyalty Tier |
Liquidation | No liquidations or margin calls | Possible if the LTV threshold is exceeded |
Collateral | BTC or ETH | BTC, ETH, stablecoins, and select altcoins |
Structure | Fixed duration with the option to renew | Open-ended |
Duration | From 14 days to 12 months | Active indefinitely |
Minimum size | 50% of the USD value of 0.1 BTC or 1 ETH | $50 |
Maximum size | Up to $5 million per loan | Up to $2 million per day |
Repayment | Repaid in full at maturity, unless renewed | Partial or full repayment anytime |
See the real-world stories of clients that have unlocked liquidity today without giving up the promise of tomorrow.
Martha T.
“What I really appreciate about this product is that it lets me access liquidity from my crypto without paying interest or having to sell too early. I can choose the price level and duration that feels right for me to sell at and if it's not reached at the end of the term, there are no trading fees and I don't have to tie up funds in limit orders. A huge benefit is that short-term volatility doesn't matter. What counts is the settlement price at the end and there's ample downside room built in.”
George G.
“For me it works best as a way to manage risk around my Bitcoin position and to have some room to manoeuvre during volatility, rather than as a way to push leverage to the maximum. The things that matter to me are simple — clear safeguard and cash-out levels, a reasonable LTV and maturities that are not too long, so we can adjust when the market changes.”
James G.
“I've been using the ZIC for over six months now, and from my point of view I can recommend it. I'm a fairly conservative HODLer-type investor in Bitcoin, and I have a full-time job and life outside of investing, so I prefer a relatively straightforward plan to accumulate passively. The ZIC has allowed me to increase my returns with Nexo, and I hope to continue rolling it over for the foreseeable future.”
Andre P.
“The Zero-Interest Credit gave me exceptional flexibility and speed when I needed to finance a property down payment. I secured the loan and received the fiat funds within a single day—something that would have taken months through a traditional bank, and without having to sell any of my crypto. For me, this is the future of financing and it opens up entirely new possibilities.”
JB
"The Zero-Interest Credit has been a straightforward way to access liquidity without touching my long-term positions. It provides flexibility at the points where opportunity cost matters, and it does so without friction. Operationally it’s predictable and easy to manage, turning the renewal cycle into a natural moment to reassess broader market conditions, rather than an administrative task.”
Claudio
“I’m more than satisfied with the Zero-Interest Credit. This solution allowed me to refinance my original in-app loan, unlock liquidity against my Bitcoin, and save a significant amount in interest costs.”
