Nexo expands Zero-Interest Credit to SOL, XRP holders
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Nexo, a digital assets wealth platform, has expanded its Zero-Interest Credit (ZiC) product to include Solana’s SOL and Ripple’s XRP as supported collateral assets.
With this move, Nexo becomes the first platform to offer 0% APR, no-liquidation lending backed by either asset, adding to its existing BTC and ETH collateral options.
ZiC, which was named “Consumer Lending Product of the Year” at the FinTech Breakthrough Awards in March 2026, allows crypto holders to access stablecoin liquidity at 0% interest through fixed-duration terms.
The structure removes the risk of premature liquidation and provides a fully predefined repayment schedule from the outset.
ZiC has generated more than $170 million in total loan volume, with a 66% borrower renewal rate and an average of four renewals per user.
More than half of all ZiC proceeds remain on-platform, indicating that borrowers are accessing liquidity while maintaining their positions.
The expansion to SOL and XRP extends this borrowing model to a segment of users previously not covered.
The move also reflects the changing composition of collateral on Nexo’s platform.
Nexo has always believed in being where the market is going, not where it already is. Zero-interest Credit set a new standard for Bitcoin and Ethereum holders, and expanding it to Solana and Ripple is the logical next step, one we are taking before anyone else.
Bitcoin and Ethereum together account for around 70% of total collateral volume, broadly in line with their share of the broader digital assets market.
Meanwhile, over 30% of crypto loans on the platform are backed by assets beyond BTC and ETH, with SOL and XRP leading that segment.
ZiC loans backed by SOL and XRP operate at a 30% loan-to-value (LTV), with minimum thresholds of 100 SOL or 5,000 XRP.
The core structure remains unchanged, allowing users to borrow at 0% interest while staying invested and avoiding liquidation during the loan term.
The expansion comes as crypto-backed lending gains traction in traditional finance.
In March, Fannie Mae accepted crypto-collateralized mortgages for the first time, allowing homebuyers to pledge Bitcoin as collateral without selling their holdings.
The same principle underpins ZiC, where borrowers seek liquidity without exiting positions. As demand extends beyond Bitcoin and Ethereum, the inclusion of SOL and XRP is aimed at addressing this shift.
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