Nexo lets XRP holders use their tokens as collateral to borrow USDT or USDC at 0% interest, with no margin calls or liquidation during the fixed term.
XRP holders can now use their tokens as collateral to access stablecoin liquidity without paying interest or selling their position, under Nexo’s Zero-interest Credit product. The service supports XRP alongside Bitcoin, Ethereum, and Solana, with no margin calls or liquidation during the agreed loan term.
Borrow at 0% with your SOL or XRP.
Zero-interest Credit now accepts SOL and XRP as collateral, alongside BTC and ETH. Stay invested, access stablecoin liquidity, and settle at maturity with no liquidation during the term.
Explore Zero-interest Credit.https://t.co/yW01EIo7zP
— Nexo (@Nexo) October 2, 2026
Nexo expanded the product to XRP and SOL earlier this year, broadening a lending model that initially supported BTC and ETH.
The structure allows holders to keep exposure to XRP while borrowing against it, but it operates differently from a standard open-ended crypto loan.
XRP Holders Can Borrow at 30% LTV
For XRP-backed Zero-interest Credit, Nexo uses a 30% loan-to-value ratio and sets the minimum threshold at 5,000 XRP.
This means the value borrowed is substantially lower than the value of the XRP pledged as collateral. The product carries 0% annual interest and zero fees, according to Nexo.
Borrowers can receive the proceeds in USDT or USDC and choose a fixed duration ranging from five days to 12 months. Individual loans can reach as high as $5 million.
Unlike Nexo’s standard Credit Line, the zero-interest product cannot normally be repaid early. Settlement takes place at the predetermined maturity date unless the position qualifies for renewal.
No Liquidation During XRP Price Swings
One of the main differences is how the product handles volatility.
Traditional crypto-backed loans can liquidate collateral when its value falls and the LTV exceeds a specified threshold. Nexo says its Zero-interest Credit has no margin calls or mid-term liquidation, even if XRP falls sharply while the loan is active.
However, this does not mean the borrower is guaranteed to retain all of the XRP.
Each position is opened with a Minimum Repayment Price and Maximum Repayment Price. If XRP finishes below the minimum level at maturity, collateral is used to settle the credit at that predefined floor. If XRP rises beyond the maximum level, collateral can be sold at the upper price to repay the loan, limiting the borrower’s participation above that level.
Users who enable stablecoin repayment may settle with USDT or USDC at maturity and retain their XRP if the price remains within the specified repayment range and enough stablecoins are available in their account.
XRP Becomes Productive Collateral Without a Spot Sale
The addition gives XRP holders another way to access liquidity without initially selling their tokens.
Nexo said XRP and SOL-backed loans use the same core zero-interest structure as its BTC and ETH product. When the expansion was announced, the company reported more than $170 million in total Zero-interest Credit loan volume, with a 66% borrower renewal rate.
The product therefore creates another financial use for XRP outside trading: holders can pledge the asset as collateral and receive stablecoins while maintaining exposure during the fixed term, subject to the predefined settlement boundaries.