0% interest loans

unlimited duration

Borrow USD against ETH

Rated excellent on

$250M insurance on custodial assets by

Real-time audit by

Interest Rate

0.00%

LTV Ratio

30%

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why?

Crypto Loans

designed for you

Safe

Zero's loan book is audited by Armanino in real time. Customer collateral is directly deposited with regulated custodian BitGo, ensuring safeguarding of your assets.

Tax Efficient

Taking out a loan with Zero is not a taxable event. This mean you can get a loan against your ETH holdings, without triggering capital gains on your long-term holdings.

Flexible

Loans are approved within minutes of the funding of the required collateral. Pay off loans with 30 day notice.

the difference

A Loan Backed By Your Crypto, Not Your Credit Score

zero Loan

Traditional Loan

Tax efficient

0% APR interest rate

No impact on credit score

Instant approval

zero Loan

Tax efficient
0% APR interest rate
No impact on credit score
Instant approval

about US

zero interest loans. Forever.

Zero interest loans are a fast and convenient way to access US Dollars without selling your ETH (Ether) holdings.

You continue to retain the upside on ETH, while getting access to liquidity on your holdings without triggering a taxable event on your capital gains.

get started

our feature

how does it work?

Obtain a loan in three steps:

1
Create an account
2
Fund collateral in ETH
3
Receive USD or USDC on your bank account

Create Account

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What advantages does Zero’s loan provide?

Zero interest rate: At 0% interest rates, borrowers benefit from a cost efficient source of capital, ideal for investing
Unlimited duration: Borrowers benefit from unlimited loan duration providing maximum flexibility.
Safe: Borrower collateral is in cold storage with BitGo a regulated and secure custodian. Customer assets are insured with up to $250m per incident.

What is Loan-to-Value (LTV)?

Loan to value is the amount of outstanding loan over the current value of borrower collateral.
For example, an LTV ratio of 50% is equivalent to $10,000 loan collateralized by ETH worth $20,000.

The LTV ratio of an outstanding loan fluctuates with the price of ETH ('Ether'). If ETH appreciates in value, the LTV ratios of an outstanding loan

What is the minimum amount and term for a loan?

The minimum loan amount is $1,000.

How do I repay my loan?

Borrowers may pay back their outstanding loan at any time with a 30 day notice to Zero. Loan repayments may be initiated on the customer's login profile.

Check out our client reviews

what our

happy clients say

Larry Diamond

"Zero is a fantastic proposition by giving me liquidity against my long term ETH portfolio" .

Sarah hastings

"Simply the best product out there for me. Interest free and unlimited loan term is unmatched".

Sam parker

"Working with BitGo gives me peace of mind that my collateral is safe and secure against DeFi hacks".