Zero-interest credit is a safe choice.

Operating time
Beginning in 2018
Annual Consumer Loan Products
FinTech Breakthrough Awards 2026
Asset Management Size
$70+ million
zero interest credit
Operating time
Beginning in 2018
Annual Consumer Loan Products
FinTech Breakthrough Awards 2026
Asset Management Size
$70+ million

Credit is predictable and the result is clear.

Zero-interest Credit provides immediate liquidity, clear and transparent settlement methods and effectively avoids settlement risks.

Zero interest rate zero cost

Use BTC, ETH, SOL or XRP as a mortgage with zero-cost receipt of liquidity with an annual rate of 0%.

No risk of clearance.

During the loan period, even if the situation is varied, the mortgage remains unchanged. No need to worry about additional guarantee notifications or liquidation risks.

Conditions can be customized.

Selected mortgage, amount, duration, and receiving currency (USDC or USDT), customized loans on your request.

Predictable results.

The built-in price protection parameters, starting with clearing the potential results, keep transparency in various market conditions.

No need to sell assets can also be liquid.

Get the necessary funds immediately, without the need to sell cryptocurrencies, and retain future growth potential.

One key for extension.

The credit can be transferred to a new deadline in a few seconds without the need to unlock the mortgage.

Tax efficiency

Hypothesis loans through digital assets, or avoid the tax incidents resulting from the sale of the assets.

The Zero-Interest Credit.

Explore how the product helps you release liquidity, keep control and respond clearly to the settlement process.
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Re-defining the credit in the digital age.

As a pioneer in crypto mortgage credit, Nexo continues to lead the industry with Zero-interest Credit.

2026 Consumer Loan Products

FinTech Breakthrough Awards Crypto Hypothek Innovation Award.

76% of the loan rate

Most customers choose to grow with us and use Zero-interest Credit once and again.

The total loan transaction amounted to more than $1.4 billion.

The rapidly widespread adoption since its launch in 2025 marks the arrival of modern new credit standards.
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Price protection mechanisms.

Zero-interest credit operates in the return price range. The range is defined by two price points – the minimum return price and the maximum return price. Choose the best price point for you. These price points make your credit clearer and more predictable when settling. There may be three cases, the details are as follows.

zero interest credit market price

Between the highest return price and the lowest return rate.

The loan will be completed on the return date according to the market price of the mortgage asset. You can choose to pay back in a stable currency and retain the mortgage, or renew the loan to the next period.
zero interest credit minimum repayment price

Lower than the minimum return price.

The credit will be settled at the minimum return price and with mortgage to complete the return. This can provide you with protection when the situation falls further.
zero interest credit maximum repayment price

Higher than the highest return price.

When the market price rises above the maximum return price, the mortgage will be sold according to that price to pay the credit, thus locking the revenue of that price level.

Find a credit program that suits you.

The needs of each customer are different. Comparing the different Nexo credit solutions in depth to find the best option for you.

Zero-interest Credit Credit Line

Applicable objects

Predictable
flexibility

Annual interest rate

All people are 0%
From 1.9% based on loyalty levels

Cleaning

No discount risk or additional guarantee notification
If the LTV (Lending Value Rate) is above the currency value, it may occur.

Hypothesis

BTC, ETH, SOL or XRP
BTC, ETH, Stabil Currency and Selected Shenzhen Coins

The structure

Fixed deadline, can be selected for renewal.
No fixed deadlines.

The deadline

5 days to 12 months
Long-term effective

The minimum amount.

0.1 BTC or 1 ETH $ 50% of the value
30 % of the value of $100 SOL or $5,000 XRP
$50

The maximum amount.

Single Loan Up to $5 Million
Maximum of $2 million per day

Returns

If not, the full amount of the expiry date is refunded.
Part or full refund at any time.
Find out more about Credit Line

Zero-interest credit is a source of wealth growth.

Find out the real customer case. These customers have successfully released liquidity and did not give up their future potential.

Man in a suit looking out at the sea.

Martha T.

“The product that makes me most satisfied is that I don’t have to pay interest, nor need to sell it early, and I can get cryptocurrency liquidity. I can freely choose the right selling price and time; if the expiry does not reach the target price, there will be no transaction fees, nor will I take the funds for the limit price. The most significant advantage is that short-term volatility is not important. It is important to the expiry price, and the product also has enough down-line space. »

George G.

“For me, it’s best suited to manage my Bitcoin stock risk and leave operating space during volatility rather than pushing the leverage to the limits. I care about it is simple – clear guaranteed prices and fixed prices, reasonable LTV (lending value ratio), and shorter loan periods that make it easier for us to adjust when the situation changes. »

James G.

“I have been using Zero-interest Credit (ZIC) for more than six months and I think it’s worth recommending. I am a more conservative Bitcoin-holding investor, and I usually live out of full-time work and investment, so I’m more likely to have a relatively simple, passive accumulation program. ZIC has raised my Nexo profits and I also hope to continue the outcome in a predictable future. »

Andre P.

“When I need to collect the first payment of the property, Zero-Interest Credit provides me with excellent flexibility and a very fast experience. I finished my loan application in a day and received cash (if it could take months to be handled through traditional banks), and without selling any cryptocurrency I own. I think this is the future of finance, it opens a whole new possibility. »

JB

“Zero-Rate credit allows me to get liquidity directly, without having to use long-term storage. At the nodes of opportunity cost, it can provide flexibility and the process is smooth and uninterrupted. From operating level, the whole process is predictable and easy to manage, making the renewal cycle no longer an administrative procedure, but a natural time for re-evaluation of the overall market environment. »

Claudio

“I am very satisfied with zero-rise credit. The solution enabled me to refinanced the original application-in-application loans, releasing liquidity through a Bitcoin mortgage, significantly saving interest costs. »

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Explore Nexo Private and unlock the custom terms.

Customized solutions provided by exclusive customer managers allow your Zero-interest Credit to play greater value.
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FAQ

Can Zero-Interest Credit Pay Back Ahead?

Not included. Zero-interest Credit is a fixed term product that requires the user to pay the full amount on the return date.

How to renew Zero-Interest Credit?

In most cases, you can choose between the new return date and the return price range on the day before the return, which allows you to renew the loan. If the conditions are met, the market price of the mortgage must be within the set range. Even so, the renewal period is not guaranteed and may depend on the market situation. If renewal is possible, notifications will usually be received about 24 hours before the expiry date. Since availability may change rapidly – especially in periods of higher volatility – if you want a renewal, it is recommended to take action as soon as possible. For more details, please see our topic.Help Center Articles。

Can I hold a number of Zero-Interest Credits at the same time?

can be. Under the conditions of sufficient mortgage, users can hold multiple zero-interest credits that enter into force at the same time. Each credit is created and managed independently, with its own terms and price range.

What will happen with the option “stable money back”?

After the stabil currency refund function is enabled, credit settings can be made in USDT or USDC on the return day. If the price is within the minimum return price and the maximum return price range and there is enough stable currency in your savings wallet, you can retain BTC, ETH, SOL or XRP used as a mortgage.

Is the digital asset for Zero-interest Credit available as a Nexo Credit Line mortgage?

Not included. Assets used for Zero-interest Credit are dedicated to the loan service and cannot be used as a mortgage for Nexo Credit Line.

Where can I find out more about Zero-interest credit?

For more information about Zero-interest Credit, please visit Help Center Theme Articles。