The idea of a zero-interest crypto loan sounds almost too good to be true. In practice, it rarely means “free money.” Instead, it usually reflects a specific lending structure where interest is avoided under clearly defined conditions.
One of the clearest examples of this model is Clapp, which offers a crypto-backed credit line where unused funds carry a 0% interest rate when the loan-to-value (LTV) ratio remains below 20%. To understand what that actually means, it helps to break the mechanics down.
What “Zero-Interest” Means in Crypto Lending
Traditional crypto loans work like this: you lock crypto as collateral, borrow against it, and interest starts accruing immediately on the full loan amount. Whether you need the funds or not, the cost begins from day one.
Clapp takes a different approach. Instead of issuing a fixed loan, it provides a revolving credit line backed by your crypto. You are approved for a borrowing limit, but you only pay interest on the portion
We współpracy z: https://cryptodaily.co.uk/2026/01/zero-interest-crypto-loans-explained-how-clapp-handles-0-borrowing
