Nexo, a digital assets wealth platform, announced that its Zero-Interest Credit (ZiC) has been named “Consumer Lending Product of the Year” at the 10th annual FinTech Breakthrough Awards.
The Zero-Interest Credit product allows clients to borrow against Bitcoin and Ethereum at 0% APR with no fees.
The recognition comes as crypto-collateralised lending continues to evolve with a stronger focus on structural discipline and resilience.
“Nexo is redefining crypto-backed lending with its Zero-Interest Credit innovation, creating a paradigm shift in crypto credit,” said Steve Johansson, Managing Director, FinTech Breakthrough.
“Through Zero-Interest Credit, Nexo introduces predefined, transparent parameters that reduce reliance on reactive liquidation triggers. Nexo delivers a more structured and resilient approach to digital asset lending. We’re pleased to recognise Zero-Interest Credit as ‘Consumer Lending Product of the Year.’”
The market remains a nearly $70 billion segment of digital assets finance, with centralised lenders showing improved collateral discipline and risk management across the sector, highlighting the relevance of maturity-based lending models such as Nexo’s Zero-Interest Credit.
“Crypto credit has matured significantly in recent years, and borrowers increasingly expect clearly defined outcomes and stronger collateral discipline,” said Elitsa Taskova, Nexo’s Chief Product Officer.
ZiC allows clients to borrow against Bitcoin (BTC) and Ethereum (ETH) at 0% interest with no fees, removing the risk of margin calls and mid-term liquidations.
The loans come with a fixed duration and defined price boundaries, ensuring predetermined outcomes at maturity even during periods of sharp market volatility.
Since its launch, ZiC has generated more than $140 million in total loan volume.
Nexo reports a 76% borrower renewal rate, with users completing an average of 4.28 renewals each.
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