- Nexo adds SOL, XRP to 0% APR crypto-backed credit product.
- ZiC allows users to borrow at 0% interest with no risk of default.
- More than 30% of Nexo loans now use non-BTC, ETH currencies.
Nexus has added Zero-interest (ZiC) offer to include Solana (SOL) and Ripple (XRP) as eligible collateral, a token that is said to be the first company to zero-interest lending with the help of these assets.
The move expands interest-free lending beyond Bitcoin (BTC) and Ethereum (ETH), which previously dominated the platform’s collateral.
The announcement comes as crypto-backed lending continues to take off, with platforms seeking to attract more investors by offering flexible, flexible options linked to the digital economy.
Growth beyond Bitcoin and Ethereum
Nexo said the addition of SOL and XRP reflects the evolution of its platform.
Although Bitcoin and Ethereum still account for about 70% of the collateral interest rate-almost their glasses wide market control-more than 30% of loans are now supported by crypto assets.
SOL and XRP lead the sector, prompting the platform to increase its ZiC trading to these tokens.
The company said the move will allow a large group of users to earn money without having to sell their assets.
“Nexo always believes that it is where the market is going, not where it is already. Zero-interest Credit set a new standard for Bitcoin and Ethereum owners, and the expansion of Solana and Ripple is the next logical step, which we are taking before anyone else,” said Elitsa Taskova, Chief Product Officer at Nexo.
How zero-interest financing works
ZiC enables users to borrow stablecoins at 0% APR for a fixed period, without the risk of forced withdrawal during the loan period.
This design also includes a pre-set return term that appears in the original, which offers a more predictable advantage compared to traditional crypto lending products.
For loans backed by SOL and XRP, ZiC operates at a 30% loan-to-value (LTV) ratio, with minimum requirements set at 100 SOL or 5,000 XRP.
The main goal has not changed: users can release the coins while maintaining their crypto identity.
The product has already seen impressive traction. Nexo reported more than $170 million in total lending through ZiC, including a 66% repeat lease rate and an average of four renewals per user.
More than half of the borrowed money remains on the platform, showing that users are spending more while still having money.
Growing demand for crypto-backed lending
The development comes amid increased awareness of crypto-collateralized currencies in traditional financial systems.
In March 2026, the US financial institution, Fannie Mae, began to accept crypto-backed loans, allowing borrowers to pledge Bitcoin without damaging their assets.
Nexo positioned its ZiC offering within the current trend, emphasizing the need for solutions for non-commercial products.
The company said that the expansion of trading in SOL and XRP is in line with the growth of diversification in crypto portfolios and the changing preferences of borrowers.
