Nexo Shatters Tradition: Zero-Interest Crypto Loans Unleashed for Bitcoin and Ethereum Holders

Forget everything you know about borrowing against your assets. Nexo just rewrote the rulebook.

The Zero-Cost Liquidity Play

No more interest payments eating into your stack. Nexo's new product lets Bitcoin and Ethereum holders unlock cash without the traditional finance tax—suddenly, your dormant crypto isn't just sitting there; it's working as your personal, interest-free credit line.

How It Cuts Through the Noise

The mechanism bypasses legacy banking hurdles entirely. You pledge your BTC or ETH as collateral, access funds instantly, and repay on your timeline. The kicker? Zero percent interest. It turns volatile assets into stable, usable capital without forcing a taxable sale—a move that traditional wealth managers are still trying to wrap their heads around.

The Bigger Picture

This isn't just a new loan product; it's a fundamental shift in asset utility. It acknowledges crypto's prime role in a modern portfolio and gives holders the tools to leverage it without penalty. Of course, in the world of high finance, they'd call this 'innovative structuring' and charge a 2% management fee for the privilege.

Nexo's move pressures the entire sector to innovate or become obsolete. For crypto natives, the message is clear: your keys, your coins, and now—your capital, on your terms.

In brief

• Nexo offers interest-free crypto loans for BTC and ETH, with transparent and secure conditions.
• Borrowers choose the duration and amount, with a guarantee against early liquidation.
• Zero-interest Credit allows repayment in stablecoins or with collateral depending on market evolution.
• The offer meets the growing demand for safer, more structured crypto loans after the 2022 crises.

An interest-free crypto loan: a boon for BTC and ETH holders

Nexo recently unveiled an offer that could appeal to many crypto investors. The product, called “Zero-interest Credit“, is intended for Bitcoin (BTC) and ethereum (ETH) holders. The concept is simple: borrow liquidity using your crypto assets as collateral, but without paying interest. In other words, it is a structured loan where the user retains their crypto asset while benefiting from immediately accessible funds.

One of the major features of this offer is the complete absence of fees and interest rates. Borrowers choose the amount and loan duration upfront, with a flexible repayment option in stablecoins or collateral at the end of the term. A major advantage in a market where fluctuations are frequent and where many traditional loans were affected by unexpected liquidations.

Indeed, Nexo’s model offers a clear and secure framework for borrowers. Unlike other platforms where asset liquidation occurs as soon as a threshold is reached, NEXO guarantees that the borrower will not lose their investment before the end of the loan term. In an interview, Elitsa Taskova, Chief Product Officer at Nexo, stated: 

Today’s borrowers seek low-cost liquidity, clear and free from liquidation uncertainty risk. Zero-interest Credit offers them exactly that: a fully predefined loan structure they can rely on from start to finish. 

This launch is therefore a direct response to the volatility that has shaken the crypto industry in recent years. After episodes like the fall of Celsius and BlockFi in 2022, the demand for safer and more transparent loan solutions has become a priority for many users.

The crypto-sphere in full transformation thanks to Nexo: a paradigm shift?

The crypto lending market has evolved greatly in recent years. After the collapse of crypto finance giants in 2022, the crypto community is looking for more robust models, where security and transparency prevail. This is where Nexo comes into play with its innovative solution, Zero-interest Credit. The company has proven that new market trends no longer just lend but seek to meet the specific needs of crypto investors.

Since its creation in 2018, Nexo has made a name for itself by offering crypto-collateralized loans to users worldwide. The platform has recorded notable growth, with over 140 million dollars in loans processed in 2025. In a context where decentralized finance (DeFi) is gaining more and more importance, Nexo has also evolved to incorporate enhanced security principles. DeFi, for example, saw its total value locked (TVL) reach peaks in 2025, with significant growth among lending protocols.

For some analysts, this type of interest-free crypto loan marks a profound change in how digital assets are used. According to industry experts, this approach reconciles crypto investors with a more traditional system while retaining the unique advantages of the crypto-sphere. This could potentially open the way to other innovations in digital finance, with a new generation of products that are both secure and free from liquidation risks.

Key facts and figures to remember:

• Nexo enabled more than 140 million dollars in crypto loans in 2025;
• Decentralized finance (DeFi) recorded a TVL of 91.98 billion dollars;
• Nexo’s Zero-interest Credit offers a secure loan without fees or interest;
• The crypto lending market stabilizes after the 2022 turbulence;
• Nexo plans its return to the US market in 2025, after resolving its disputes with the SEC.

While Nexo innovates, other players like Credefi are also transforming the sector by introducing real assets into DeFi lending. A major evolution that could offer greater stability to crypto yields. Crypto finance continues to evolve, and these new initiatives show the promising future of this market.

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