Nexo has launched a zero-interest crypto lending product that permits Bitcoin and Ether holders to borrow in opposition to their belongings by way of fixed-term loans.
In line with an organization announcementthe product, referred to as Zero-interest Credit score, provides fixed-term loans for customers who maintain Bitcoin (BTC) and ETH (ETH), with reimbursement circumstances set upfront. Loans are settled at maturity and might be repaid utilizing both stablecoins or collateral, relying on market circumstances.
The providing expands a structured lending mannequin that had beforehand been obtainable solely by way of 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 dimension and period up entrance, with phrases that stop liquidation earlier than maturity and outline the reimbursement vary. On the finish of the time period, loans might be settled utilizing both stablecoins or collateral, with the choice to resume underneath 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.
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Defi lending grows in 2025
Crypto lending has developed considerably since 2022, when corporations reminiscent of 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 choices underneath extra conservative, totally collateralized constructions, whereas decentralized finance (DeFi) protocols additionally recorded sturdy progress.
In line with DefiLlama dataDeFi lending merchandise grew from about $48.15 billion in complete 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 occasions, exercise stabilized in November and complete worth locked (TVL) at the moment 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 provided liquidity.
Journal: How crypto legal guidelines modified in 2025 — and the way they’re going to change in 2026
