Overview
- Zero-interest Credit (ZiC) lets BTC and ETH holders borrow at 0% interest with no fees under fixed-duration terms.
- Each position follows a predefined repayment path with a Minimum Repayment Price that prevents forced liquidation during the term and a Maximum Repayment Price that locks gains up to a set level.
- At maturity, borrowers can repay in stablecoins such as USDC or USDT or settle using their posted collateral, depending on market conditions.
- A Renewal feature allows clients to extend the arrangement with refreshed terms without unwinding the original loan.
- Nexo says the structure facilitated over $140 million via private channels in 2025 and cites rapid market growth, while noting it manages over $11 billion in assets and was ranked the #2 crypto lender by Galaxy Research.