Nexo has launched an interest-free crypto lending product that enables Bitcoin and Ether holders to borrow towards their property via fixed-term loans.
In accordance with one firm announcementthe product, referred to as Zero Curiosity Credit score, gives customers who maintain Bitcoin (BTC) and Ethereum (ETH) with fixed-term loans with preset reimbursement phrases. Loans are settled at maturity and could be repaid utilizing stablecoins or collateral relying on market circumstances.
The providing expands a structured lending mannequin beforehand obtainable solely via Nexo’s non-public and OTC channels, facilitating greater than $140 million in borrowings throughout 2025, the corporate mentioned.
The borrower preselects the dimensions and time period of the mortgage, with phrases that stop untimely liquidation and outline the scope of reimbursement. On the finish of the time period, the mortgage could be settled utilizing stablecoins or collateral, with the choice to resume with 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.
The corporate introduced it might exit on the finish of 2022 and re-enter the U.S. market in April 2025 after settling a lawsuit with the Securities and Alternate Fee for $45 million in early 2023.
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DeFi lending will improve in 2025
Crypto lending has advanced considerably since 2022, when firms like Celsius and BlockFi had been broadly blamed for amplifying market contagion and exacerbating the fallout from the FTX collapse.
In 2025, decentralized finance (DeFi) protocols additionally recorded robust progress, whereas centralized monetary establishments akin to Nexo, Ledn, Xapo Financial institution, and Coinbase expanded their cryptocurrency lending choices beneath extra conservative and totally collateralized buildings.
In accordance with Defilama dataDeFi lending merchandise grew from a complete worth locked (TVL) of roughly $48.15 billion on January 1, 2025 to a peak of $91.98 billion on October 7, 2025.
After the crypto liquidation occasion on October 10, the market trended downward, however exercise stabilized in November, with complete worth locked (TVL) now at roughly $66 billion.
The DeFi lending market is led by Aave, with greater than $22 billion in excellent loans backed by greater than $55 billion in deposit property, in accordance with DefiLlama knowledge.
Morpho ranks second, supporting roughly $3.6 billion in excellent loans backed by roughly $10 billion in provide liquidity.
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