Unlock Your Crypto Wealth: How Nexo’s Zero-Interest Loans Let You Borrow Against Bitcoin and Ethereum Without Selling

Forget everything you know about traditional lending. The crypto revolution just cut the most expensive part of borrowing—the interest.

Nexo's zero-interest crypto-backed loans are turning digital asset portfolios into instant liquidity engines. No credit checks. No bank queues. Just your Bitcoin or Ethereum working as collateral while you access cash.

The Mechanics of Collateral Without Consequence

Deposit your crypto. Set your loan-to-value ratio. Receive funds in minutes. The process bypasses traditional finance's gatekeepers entirely—your collateral does all the talking.

Why Zero Percent Changes Everything

Traditional banks charge interest because they're taking risk with someone else's money. Nexo's model flips the script: you're borrowing against your own appreciating assets. The platform makes money elsewhere—through exchange services and premium features—while giving users what banks never could: free leverage.

It's the ultimate 'have your crypto and spend it too' scenario. Need liquidity for an investment opportunity? Medical emergency? Business expansion? Your digital wealth stays intact, continues potentially appreciating, while you access immediate value.

The Fine Print That Actually Makes Sense

Maintain your collateral ratio. Watch market volatility. That's it. No hidden fees, no variable rates that mysteriously spike, no loan officers judging your financial history. Just mathematics and blockchain transparency.

Compare that to traditional lending's dance of paperwork, credit scores, and interest calculations that would confuse a quantum physicist—all to borrow money the bank created from nothing in the first place.

Nexo's model proves what crypto maximalists have argued for years: when you control your assets, you control your financial destiny. The platform simply provides the rails—the value was always in your wallet.

As one sardonic trader noted: 'Finally, a loan where the only thing getting screwed is the traditional banking model.' Your crypto keeps working. You get the cash. And the old system watches another revenue stream evaporate into transparent code.

TLDR

• Nexo launched a zero-interest crypto lending product allowing Bitcoin and Ether holders to borrow against their assets through fixed-term loans
• The product previously available only through private channels facilitated over $140 million in borrowing during 2025
• Loans prevent liquidation before maturity and can be repaid using stablecoins or collateral at the end of the term
• DeFi lending protocols grew from $48.15 billion in total value locked on Jan. 1, 2025, to a peak of $91.98 billion by Oct. 7, 2025
• Nexo plans to reenter the US market after settling with the SEC for $45 million in early 2023

Nexo, a crypto financial services company, has introduced a new zero-interest lending product for Bitcoin and ethereum holders. The service allows users to borrow against their crypto assets without paying interest or fees.

In 2018, NEXO pioneered crypto-backed lending. Today, we’re redefining it once again.

Meet Zero-interest Credit – a new way to access liquidity at 0% interest, with no fees and no liquidation risk.

Peace of mind is real. And it’s here.

— Nexo (@Nexo) January 8, 2026

The product, named Zero-interest Credit, offers fixed-term loans with repayment conditions set at the start. Borrowers can choose their loan size and duration upfront. The loans include protection against liquidation before the term ends.

Nexo has been operating since 2018 and provides services across 150 jurisdictions. The company offers crypto-backed loans, trading, and savings products to its users.

The zero-interest lending option was previously only available through Nexo’s private and over-the-counter channels. During 2025, this private version of the product processed more than $140 million in loans. The company has now made the product available to all customers.

When a loan term ends, borrowers can settle using either stablecoins or their collateral. They also have the option to renew under new terms. The loan structure defines a repayment price range with minimum and maximum price points.

Nexo withdrew from the US market in late 2022. The company settled a case with the Securities and Exchange Commission for $45 million in early 2023. In April 2025, Nexo announced plans to return to the US market.

The crypto lending sector has changed since 2022. That year saw the collapse of major lenders like Celsius and BlockFi during the FTX crisis. These failures contributed to market instability.

By 2025, centralized lenders adopted more conservative approaches. Companies including Nexo, Ledn, Xapo Bank, and Coinbase expanded their lending services using fully collateralized structures. This meant loans were backed by sufficient assets to cover potential losses.

Decentralized finance protocols also experienced growth in 2025. According to DefiLlama data, DeFi lending products started the year with about $48.15 billion in total value locked. This figure represents the total value of assets deposited in these protocols.

The DeFi lending market reached a peak of $91.98 billion in total value locked on Oct. 7, 2025. After a liquidation event on Oct. 10, the market declined but stabilized in November. The current total value locked stands at around $66 billion.

Aave leads the DeFi lending market with more than $22 billion in outstanding loans. The protocol holds over $55 billion in deposited assets. Morpho ranks second with roughly $3.6 billion in outstanding loans backed by about $10 billion in supplied liquidity.

Galaxy Research ranked Nexo as the number two centralized finance lender by total loan volume in the second and third quarters of 2025. The company currently manages over $11 billion in assets.

The Zero-interest Credit product allows borrowers to receive funds in either USDC or USDT stablecoins. Users can customize their loan terms based on their needs. The one-tap renewal feature lets borrowers extend their loans into new terms without unlocking collateral.

Nexo currently manages over $11 billion in assets and was ranked the number two centralized finance lender by Galaxy Research for Q2 and Q3 2025.