- With an average of four renewals per user and a 66% borrower renewal rate, ZiC has produced over $170 million in total loan volume.
- There is no risk of an early forced liquidation, and the repayment structure is fully predetermined from the start.
Today, Nexo, the leading digital asset wealth platform, announced that Solana’s SOL and Ripple’s XRP are now supported collateral assets for its Zero-interest Credit (ZiC). With this move, Nexo joins the current BTC and ETH collateral options as the first platform to provide 0% APR, no-liquidation lending backed by either asset.
ZiC, which was named “Consumer Lending Product of the Year” at the annual FinTech Breakthrough Awards in March 2026, gives cryptocurrency holders access to stablecoin liquidity at 0% interest over a fixed-duration term. There is no risk of an early forced liquidation, and the repayment structure is fully predetermined from the start.
With an average of four renewals per user and a 66% borrower renewal rate, ZiC has produced over $170 million in total loan volume. The fact that over half of all ZiC earnings are still available on the platform indicates that borrowers are obtaining liquidity while maintaining their investment. By extending ZiC to SOL and XRP, this tried-and-true borrowing mechanism is now available to a portion of the clientele that it has not previously catered to.
The change is a reflection of how the crypto collateral on Nexo’s platform is changing. Together, Bitcoin and Ethereum make up over 70% of Nexo’s collateral volume, which is largely consistent with their combined dominance in the larger digital assets market. On Nexo, more over 30% of cryptocurrency loans are secured by assets other than Bitcoin and Ethereum, with SOL and XRP dominating that category.
“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.
With a minimum of 100 SOL or 5,000 XRP, ZiC with SOL and XRP collateral runs at a 30% LTV. The fundamental ZiC value proposition—borrowing at zero percent to remain invested and avoid liquidation throughout the term—remains the same.
The growth coincides with conventional finance’s growing awareness of cryptocurrency-backed financing. Fannie Mae, a government-backed mortgage company in the United States, began accepting crypto-collateralized mortgages in March, allowing borrowers to use Bitcoin as collateral without having to sell. The reasoning for ZiC is the same: borrowers desire liquidity without having to sell their investments. ZiC’s extension to SOL and XRP is designed to address that demand, which now goes well beyond Bitcoin and Ethereum.
Nexo is a leading digital asset wealth platform that enables customers to increase, manage, and protect their cryptocurrency holdings. Its goal is to spearhead the next wave of wealth creation by emphasizing client success and providing customized solutions that create long-lasting value, backed by round-the-clock client service.
Since 2018, Nexo has given forward-thinking clients in more than 199 countries unparalleled prospects. It provides long-lasting value to millions of people globally, with over $8 billion in AUM and over $403 billion handled. Its all-in-one platform, which offers high-yield flexible and fixed-term savings, crypto-backed loans, advanced trading tools, and liquidity solutions—including the first crypto debit/credit card—combines cutting-edge technology with a client-first philosophy. Nexo, which is based on extensive industry knowledge, a sustainable business plan, strong infrastructure, strict security, and international license, promotes innovation and long-term success.
