Cryptocurrency wealth management platform Nexo has expanded its Zero-interest Credit product to include Solana and XRP as eligible collateral. The product allows holders of these assets to access stablecoin loans at a 0% annual percentage rate without risk of forced liquidation during the fixed term. This move follows the product’s prior success with Bitcoin and Ethereum, which generated over $170 million in loan volume.
Nexo has announced the expansion of its first-of-its-kind Zero-interest Credit product to the Solana and Ripple ecosystems. SOL and XRP holders can now pledge their assets as collateral for loans with a 0% annual percentage rate and no liquidation lending.
The ZiC product provides access to stablecoin liquidity at 0% interest through a fixed-duration term. Borrowers face no risk of premature or forced liquidation during the loan term, which features a fully predefined repayment structure. The offering was named Consumer Lending Product of the Year at the annual FinTech Breakthrough Awards in March 2026.
Before this expansion, Bitcoin and Ether were the existing collateral options for ZiC. With those assets, the product generated more than $170 million in total loan volume and achieved a 66% borrower renewal rate. At least 50% of ZiC proceeds remain on the Nexo platform, indicating users stay invested while accessing liquidity.
Nexo’s chief product officer, Elitsa Taskova, stated: “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.” On the broader lending platform, BTC and ETH collectively account for roughly 70% of collateral volume.
The remaining 30% of crypto loans are collateralized by other assets, led by SOL and XRP. The SOL and XRP ZiC collateral will operate at a 30% loan-to-value ratio, requiring a minimum deposit of 100 SOL or 5,000 XRP. This expansion occurs amid growing adoption of crypto-backed loans in traditional finance.
The U.S. government-backed mortgage agency Fannie Mae recently began accepting crypto-collateralized mortgages. This allows homebuyers to pledge Bitcoin as collateral without selling their holdings. “It’s the same logic ZiC is built on: borrowers want liquidity without exiting their positions,” Nexo concluded.
