Nexo has launched a zero-interest crypto lending product that permits Bitcoin and Ether holders to borrow in opposition to their property by way of fixed-term loans.
In response to 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 circumstances set prematurely. Loans are settled at maturity and will be repaid utilizing both stablecoins or collateral, relying on market circumstances.
The providing expands a structured lending mannequin that had beforehand been out there solely by way of Nexo’s non-public and OTC channels, the place it facilitated greater than $140 million in borrowing throughout 2025, in keeping with the corporate.
Debtors select the mortgage measurement and length up entrance, with phrases that stop liquidation earlier than maturity and outline the reimbursement vary. On the finish of the time period, loans will be settled utilizing both stablecoins or collateral, with the choice to resume beneath new phrases.
Nexo is a crypto monetary providers firm based in 2018 that gives crypto-backed loans, buying and selling and financial savings providers 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 Alternate Fee for $45 million in early 2023.
Associated: Babylon receives $15M from a16z Crypto to expand Bitcoin-native lending
Defi lending grows in 2025
Crypto lending has advanced considerably since 2022, when corporations corresponding to Celsius and BlockFi have 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 offerings beneath extra conservative, absolutely collateralized buildings, whereas decentralized finance (DeFi) protocols additionally recorded robust progress.
In response to DefiLlama data, 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 event, exercise stabilized in November and whole worth locked (TVL) at present 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 property, in keeping with DefiLlama knowledge.
Morpho ranks second, supporting roughly $3.6 billion in excellent loans backed by about $10 billion in equipped liquidity.
Journal: How crypto laws changed in 2025 — and how they’ll change in 2026
