Zero-interest Credit, 
built for peace of mind.

Borrow against your BTC, ETH, SOL, or XRP at zero interest and zero fees.

Sign up
Get Platinum tier on arrival — UCard's best yields and lowest borrowing rates for 30 days.
Claim offer
Operating
since 2018
Consumer Lending Product of the Year
FinTech Breakthrough Awards 2026
Assets under management
$7+ billion
zero interest credit
Operating
since 2018
Consumer Lending Product of the Year
FinTech Breakthrough Awards 2026
Assets under management
$7+ billion

Predictable credit with defined outcomes.

Zero-interest Credit gives you liquidity when you need it, clarity on how it settles, and assurance against liquidation.

Zero interest, zero fees

Use your BTC, ETH, SOL, or XRP as collateral and access fee-free liquidity at 0% annual interest.

No liquidation

Your collateral stays in place while the loan is active, even through market volatility. No margin calls or liquidation to worry about.

Customizable terms

Choose your collateral, amount, duration, and the currency you receive (USDC or USDT) to tailor the loan around your needs.

Predictable outcomes

Built-in price-protection parameters define your potential outcome from the start, offering clarity through all market conditions.

Liquidity without selling

Access the funds you need today without giving up your crypto’s potential to grow tomorrow.

One-tap renewal

Carry your credit into a new term in seconds, without unlocking collateral.

Tax-efficient

Borrowing against your digital assets may avoid the taxable events associated with selling them.

Understanding Zero-interest Credit.

Explore how the product helps you unlock liquidity, stay in control, and navigate settlement with clarity.
Sign up

Redefining credit for the digital age.

As a pioneer of crypto-backed credit, UCard continues to set the industry standard with Zero-interest Credit.

Consumer Lending Product of the Year 2026

Recognized by the FinTech Breakthrough Awards for innovation in crypto-backed lending.

76% borrower renewal rate

A majority of our clients choose to grow with us, returning to use Zero-interest Credit time and again.

$140+ million total loan volume

Rapid adoption since its 2025 launch signals the arrival of a new standard in modern credit
Read more

How price protection works.

The Zero-interest Credit operates within a repayment price range, defined by two price points — a Minimum Repayment Price and a Maximum Repayment Price. Pick the ones that work best for you. These price points bring clarity and predictability to your credit at settlement. There are three possible scenarios, detailed below.

zero interest credit market price

Between your Maximum and Minimum Repayment Price

On the Repayment Date, your credit settles at the market price of your collateral asset. You can choose to repay in stablecoins and keep your collateral, or renew your credit for another term.
zero interest credit minimum repayment price

Below the Minimum Repayment Price

Your credit settles at your Minimum Repayment Price, with repayment made using your collateral. This helps protect you if the market drops further.
zero interest credit maximum repayment price

Above the Maximum Repayment Price

When the market price rises beyond your Maximum Repayment Price, your collateral is sold at that price to cover the credit, locking in gains up to that level.

Find the credit solution that fits you.

Every client has different needs. Explore our in-depth comparison to see which UCard credit solution is right for you.

Zero-interest CreditCredit Line

Designed for

Predictability
Flexibility

Annual interest rate

0% for everyone
From 1.9%, based on Loyalty Tier

Liquidation

No liquidations or margin calls
Possible if the LTV threshold is exceeded

Collateral

BTC, ETH, SOL, or XRP
BTC, ETH, stablecoins, and select altcoins

Structure

Fixed duration with the option to renew
Open-ended

Duration

From 5 days to 12 months
Active indefinitely

Minimum size

50% of the USD value of 0.01 BTC or 0.2 ETH
30% of the USD value of 100 SOL or 5,000 XRP
$50

Maximum size

Up to $5 million per loan
Up to $2 million per day

Repayment

Repaid in full at maturity, unless renewed
Partial or full repayment anytime
Learn more about the Credit Line

How Zero-interest Credit supports your wealth.

See the real-world stories of clients that have unlocked liquidity today without giving up the promise of tomorrow.

Man in a suit looking out at the sea.

Martha T.

“What I really appreciate about this product is that it lets me access liquidity from my crypto without paying interest or having to sell too early. I can choose the price level and duration that feels right for me to sell at and if it's not reached at the end of the term, there are no trading fees and I don't have to tie up funds in limit orders. A huge benefit is that short-term volatility doesn't matter. What counts is the settlement price at the end and there's ample downside room built in.”

George G.

“For me it works best as a way to manage risk around my Bitcoin position and to have some room to manoeuvre during volatility, rather than as a way to push leverage to the maximum. The things that matter to me are simple — clear safeguard and cash-out levels, a reasonable LTV and maturities that are not too long, so we can adjust when the market changes.”

James G.

“I've been using the ZIC for over six months now, and from my point of view I can recommend it. I'm a fairly conservative HODLer-type investor in Bitcoin, and I have a full-time job and life outside of investing, so I prefer a relatively straightforward plan to accumulate passively. The ZIC has allowed me to increase my returns with UCard, and I hope to continue rolling it over for the foreseeable future.”

Andre P.

“The Zero-Interest Credit gave me exceptional flexibility and speed when I needed to finance a property down payment. I secured the loan and received the fiat funds within a single day—something that would have taken months through a traditional bank, and without having to sell any of my crypto. For me, this is the future of financing and it opens up entirely new possibilities.”

JB

"The Zero-Interest Credit has been a straightforward way to access liquidity without touching my long-term positions. It provides flexibility at the points where opportunity cost matters, and it does so without friction. Operationally it’s predictable and easy to manage, turning the renewal cycle into a natural moment to reassess broader market conditions, rather than an administrative task.”

Claudio

“I’m more than satisfied with the Zero-Interest Credit. This solution allowed me to refinance my original in-app loan, unlock liquidity against my Bitcoin, and save a significant amount in interest costs.”

UCard-private-background

Access custom terms with UCard Private.

Take your Zero-interest Credit further with bespoke solutions provided by your dedicated relationship manager.
Discover UCard Private

Frequently asked questions.

Can I repay my Zero-interest Credit early?

No. Zero-interest Credit is a product with a fixed duration, which means it’s repaid in full at the Repayment Date.

How can I renew my Zero-interest Credit?

In most cases, you may be offered the option to renew your credit before the Repayment Date by selecting a new Repayment Date and repayment price range. To be eligible, your collateral’s market price must be within the defined range. Even then, renewal is not guaranteed and may depend on market conditions. If renewal is available, you will typically receive a notification around 24 hours before maturity. Because availability can change quickly — especially during periods of higher volatility — we recommend acting promptly if you wish to renew. For more details, please refer to our dedicated Help Center article.

Can I have more than one Zero-interest Credit at the same time?

Yes. You can have more than one Zero-interest Credit active as long as you have enough collateral. Each credit is created and managed separately, with its own terms and price range.

What happens if you enable the ‘Stablecoin repayment’ option?

With stablecoin repayment enabled, you can settle your credit in USDT or USDC at the Repayment Date. If the price is within your Minimum and Maximum Repayment Price range and you have enough stablecoins in your Savings Wallet, you keep the BTC, ETH, SOL, or XRP you used as collateral.

Can the digital assets used for Zero-interest Credit be used as collateral for the UCard Credit Line?

No. Assets used for a Zero-interest Credit remain dedicated to that credit and cannot be used as collateral for the UCard Credit Line.

Where can I read about Zero-interest Credit in greater detail?

If you wish to learn more about Zero-interest Credit, visit our dedicated Help Center article.