Nexo has launched a zero-interest crypto loan product that allows Bitcoin and Ether holders to borrow against their assets through fixed-term loans.
According to a company AnnouncementThe product, called Zero-Interest Credit, offers fixed-term loans to users holding Bitcoin (BTC) and ETH (ETH), with repayment terms predetermined. Loans are settled at maturity and can be repaid using stablecoins or collateral, depending on market conditions.
According to the company, the offering expands a structured lending model that was previously only available through Nexo’s private and OTC channels, where it provided borrowing facilities of more than $140 million through 2025.
Borrowers choose the size and tenure of the loan in advance, with terms that prevent liquidation before maturity and define repayment limits. At the end of the term, the loan can be settled using stable coins or collateral, with the option to renew under new terms.
Nexo is a crypto financial services company founded in 2018 that provides crypto-backed lending, trading, and savings services to users in 150 jurisdictions.
In April 2025, the company said it would withdraw in late 2022 and re-enter the US market in early 2023 after settling a $45 million case with the Securities and Exchange Commission.
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DeFi lending will increase in 2025
There has been notable growth in crypto lending since 2022, when companies like Celsius and BlockFi were widely blamed for fueling market contagion and deepening the impact of the FTX collapse.
In 2025, centralized lenders including Nexo, Ledden, Zaporozhye Bank, and Coinbase expanded their crypto loan offerings under more conservative, fully collateralized structures, while decentralized finance (DeFi) protocols also recorded strong growth.
according to dephillama dataDeFi loan products grew from approximately $48.15 billion in total value locked (TVL) on January 1, 2025, to a peak of $91.98 billion on October 7, 2025.
Although the market trended lower following the crypto liquidation event on October 10, activity stabilized in November and total value locked (TVL) currently stands at around $66 billion.
According to DefiLlama data, the DeFi lending market is led by Aave, with over $22 billion of outstanding loans and over $55 billion of pooled assets.
Morpho is in second place, backed by approximately $3.6 billion in outstanding loans and approximately $10 billion in supplied liquidity.
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