Nexo, the premier digital assets wealth platform, today announced the expansion of its Zero-interest Credit (ZiC) to Solana’s SOL and Ripple’s XRP as supported collateral assets. The move makes Nexo the first platform to offer 0% APR, no-liquidation lending backed by either asset, joining the existing BTC and ETH collateral options.
Named "Consumer Lending Product of the Year" at the annual FinTech Breakthrough Awards in March 2026, ZiC enables crypto holders to access stablecoin liquidity at 0% interest through a fixed-duration term, with no risk of premature forced liquidation and a fully predefined repayment structure visible from day one.
ZiC has generated over $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 — confirming that borrowers are accessing liquidity while staying invested. Expanding ZiC to SOL and XRP brings this proven borrowing structure to a segment of the client base it has not yet served.
The move reflects the evolving composition of crypto collateral on Nexo's platform. Bitcoin and Ethereum together account for approximately 70% of collateral volume on Nexo's, broadly mirroring their combined dominance in the wider digital assets market. Over 30% of crypto loans on Nexo are collateralized with assets beyond BTC and ETH, with SOL and XRP leading that segment.
“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," said Elitsa Taskova, Chief Product Officer at Nexo.
ZiC with SOL and XRP collateral operates at a 30% LTV, with a minimum of 100 SOL or 5,000 XRP. The core ZiC value proposition remains unchanged: borrowing at 0% to stay invested and face no liquidation during the term.
The expansion comes as crypto-backed lending gains recognition in traditional finance. In March, U.S. government-backed mortgage agency Fannie Mae accepted crypto-collateralized mortgages for the first time, enabling homebuyers to pledge Bitcoin as collateral without selling. It's the same logic ZiC is built on: borrowers want liquidity without exiting their positions. That demand now extends well beyond Bitcoin and Ethereum, and ZiC's expansion to SOL and XRP is built to meet it.
About Nexo
Nexo https://nexo.com is a premier digital assets wealth platform designed to empower clients to grow, manage, and preserve their crypto holdings. Our mission is to lead the next generation of wealth creation by focusing on customer success and delivering tailored solutions that build enduring value, supported by 24/7 client care.
Since 2018, Nexo has provided unmatched opportunities to forward-thinking clients in over 199 jurisdictions. With over $8 billion in AUM and over $403 billion processed, we bring lasting value to millions worldwide. Our all-in-one platform combines advanced technology with a client-first approach, offering high-yield flexible and fixed-term savings, crypto-backed loans, sophisticated trading tools, and liquidity solutions, including the first crypto debit/credit card. Built on deep industry expertise, a sustainable business model, robust infrastructure, stringent security, and global licensing, Nexo champions innovation and long-lasting prosperity.
