Nexo has launched a zero-interest crypto lending product that permits Bitcoin and Ether holders to borrow towards their belongings by means of fixed-term loans.
Based on an organization announcement, the product, known as Zero-interest Credit score, presents fixed-term loans for customers who maintain Bitcoin (BTC) and ETH (ETH), with compensation circumstances set prematurely. Loans are settled at maturity and could be repaid utilizing both stablecoins or collateral, relying on market circumstances.
The providing expands a structured lending mannequin that had beforehand been accessible solely by means of Nexo’s non-public and OTC channels, the place it facilitated greater than $140 million in borrowing throughout 2025, in accordance with the corporate.
Debtors select the mortgage dimension and period up entrance, with phrases that stop liquidation earlier than maturity and outline the compensation vary. On the finish of the time period, loans could be settled utilizing both stablecoins or collateral, with the choice to resume below 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 Change Fee for $45 million in early 2023.
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Defi lending grows in 2025
Crypto lending has developed considerably since 2022, when corporations corresponding to Celsius and BlockFi have been extensively 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 below extra conservative, absolutely collateralized constructions, whereas decentralized finance (DeFi) protocols additionally recorded robust 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) 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 belongings, in accordance 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 legal guidelines modified in 2025 — and the way they’ll change in 2026