Zero-interest lending is here: a new option for Bitcoin and Ethereum holders

2026-01-08 14:20:09

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【Crypto World】The crypto lending market has new developments. A leading lending platform has launched a zero-interest credit product, specifically tailored for investors and traders holding BTC and ETH. The highlights of this scheme include—0% interest rate, fixed term, preset repayment path, and price floor protection, fundamentally avoiding the risk of forced liquidation in advance.

In simple terms, this is like an insurance policy for coin holders. It allows them to obtain liquidity without worrying about interest erosion of returns, and provides a buffer during market fluctuations. The lending platform believes that this model is more competitive in terms of cost and transparency.

A set of data clearly shows how strong the market demand is: by Q3 2025, the crypto lending scale has surged to $73.59 billion. As borrowing demand skyrockets, innovative products emerge—this is the evolution of Web3 finance.

BTC-0,76%

ETH-1,4%

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PumpDetector

· 01-11 04:42

zero rates sound nice until you realize what they're *really* doing with your collateral behind the scenes... reading between the lines here

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BearWhisperGod

· 01-10 21:20

Zero interest rates sound good, but there's no such thing as a free lunch... How does the platform monetize this wave?

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TokenSherpa

· 01-10 13:46

honestly if you examine the historical governance precedent around collateralized lending... zero rates just means they're eating the spread elsewhere, let me break this down for you

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BtcDailyResearcher

· 01-08 14:47

Zero interest rates sound great, but can the reality be so perfect? I always feel like something's off. Don't just look at the data—what are lending platforms really making money from? Who is bearing the risk? This thing, when you get down to it, is just a disguised way of locking up coins. Liquidity? Uh... still have to pay it back. 735.9 billion is indeed impressive, but who knows how long the bubble can be inflated. Zero interest rates are probably just a gimmick; there must be hidden costs behind the scenes. I bet five Satoshis on that. Price floor protection? In a bear market, how many coins is that really worth?

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unrekt.eth

· 01-08 14:44

Zero interest rate? Sounds good, but there's no such thing as a free lunch. How does the platform make money?

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CodeAuditQueen

· 01-08 14:40

Zero interest rate? You need to carefully check what pitfalls are hidden in the smart contract. This kind of "insurance" usually has its fees transferred elsewhere.

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ShitcoinConnoisseur

· 01-08 14:38

Zero interest rate? Sounds good, but I'm just worried there might be a trap. Does anyone know how solid the platform's actual risk control is? It feels too good to be true and easy to crash. 735.9 billion, is this number serious? Or are they just creating a new concept again? Insurance? Putting insurance here, isn't it just gambling on probabilities? Has anyone used it? Is it really zero interest rate or are there hidden fees? Isn't this just a different way to cut leeks? Any reputable platform wouldn't do this. Price floor protection sounds like market stabilization, but can it really hold? We'll see when the bear market comes. Another "revolutionary product," I'm already tired of hearing this.

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RunWithRugs

· 01-08 14:24

Zero interest rate? Really... Something's not right, there must be a trap somewhere. This is truly a blessing for HODLers, finally no more bloodsucking. $73.59 billion? Damn, this market is really crazy. 0% interest rate sounds great, but it feels like the risks are just shifting elsewhere. Wait, isn't this just a disguised collateralized loan? Basically, it still involves token deduction. Forget it, anyway it's much better than those high-interest trap products before. In my opinion, this is a signal that lending platforms are desperately fighting for market share. Price floor protection... sounds good, but what if a bear market comes? Another new product, and now I have to study the terms again. So annoying. This is true financial innovation, unlike some projects that just know how to cut the leeks. Hopefully, it's not another scam, gotta be careful.

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