Nexo has launched a zero-interest crypto lending product that enables Bitcoin and Ether holders to borrow in opposition to their belongings by fixed-term loans.
Based on an organization announcement, the product, referred to as Zero-interest Credit score, affords fixed-term loans for customers who maintain Bitcoin (BTC) and ETH (ETH), with reimbursement situations set upfront. Loans are settled at maturity and may be repaid utilizing both stablecoins or collateral, relying on market situations.
The providing expands a structured lending mannequin that had beforehand been accessible solely by Nexo’s non-public and OTC channels, the place it facilitated greater than $140 million in borrowing throughout 2025, in line with the corporate.
Debtors select the mortgage measurement and period up entrance, with phrases that forestall liquidation earlier than maturity and outline the reimbursement vary. On the finish of the time period, loans may be settled utilizing both stablecoins or collateral, with the choice to resume beneath new phrases.
Nexo is a crypto monetary companies firm based in 2018 that gives crypto-backed loans, buying and selling and financial savings companies to customers throughout 150 jurisdictions.
In April 2025, the corporate stated that it will reenter the US market after withdrawing in late 2022 and settling a case with the Securities and Trade Fee for $45 million in early 2023.
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Defi lending grows in 2025
Crypto lending has advanced considerably since 2022, when corporations corresponding to Celsius and BlockFi had been broadly blamed for amplifying market contagion and deepening the fallout from the FTX collapse.
In 2025, centralized lenders together with Nexo, Ledn, Xapo Financial institution and Coinbase expanded their crypto lending choices beneath extra conservative, totally collateralized buildings, whereas decentralized finance (DeFi) protocols additionally recorded sturdy progress.
Based on DefiLlama knowledge, DeFi lending merchandise grew from about $48.15 billion in whole worth locked (TVL) on Jan. 1, 2025, to a peak of $91.98 billion on Oct. 7, 2025.
Though the market trended decrease following the Oct. 10 crypto liquidation occasion, exercise stabilized in November and whole worth locked (TVL) presently stands at round $66 billion.
The DeFi lending market is led by Aave, with greater than $22 billion in excellent loans backed by over $55 billion in deposited belongings, in line with DefiLlama knowledge.
Morpho ranks second, supporting roughly $3.6 billion in excellent loans backed by about $10 billion in equipped liquidity.
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