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Nexo is expanding its Zero-interest Credit (ZiC) product to accept Solana’s SOL and Ripple’s XRP as collateral, positioning the platform as the first major provider to offer 0% APR, no-liquidation loans against either asset alongside its existing Bitcoin and Ethereum support.
The updated ZiC offering provides 0% APR at a 30% loan-to-value (LTV) ratio for SOL and XRP. Nexo also set minimum collateral thresholds of 100 SOL or 5,000 XRP.
For comparison, Nexo’s general ZiC term sheet lists minimum deal sizes starting from 50% of the USD value of 0.1 BTC or 1 ETH, and caps individual loans at $5 million.
Nexo says ZiC has generated more than $170 million in total loan volume, alongside a 66% borrower renewal rate. The company also reports that over half of all ZiC proceeds remain on its platform, which Nexo says suggests users are borrowing to reallocate within crypto rather than exiting their exposure.
Nexo Chief Product Officer Elitsa Taskova said the firm is “always believed in being where the market is going, not where it already is,” adding that “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.”
ZiC was first unveiled in January as a fixed-term alternative to Nexo’s existing credit line. At the time, Nexo described the product as enabling Bitcoin and Ethereum holders to access liquidity at 0% interest through a fixed-duration term, “free from the risk of premature forced liquidation.” Nexo also said it had already unlocked more than $140 million in liquidity through its private and OTC channels.
In March 2026, ZiC won “Consumer Lending Product of the Year” at the FinTech Breakthrough Awards. Nexo framed the award as recognition that ZiC is “designed to change the way digital asset lending works” by removing mid-term liquidations and clarifying repayment terms from day one.
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