BORROW ON zero

borrow at 0% interest

ZERO STABILITY POOL

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ZERO WIKI

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ZERO IS BACK OPEN FOR BUSINESS

You can HODL your bitcoin and spend it too!
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Join other sovryns borrowing against their bitcoin

You can HODL your bitcoin and spend it too!

Total volume borrowed

Zero BTC TVL

Total DLLR minted

BORROW WITH ZERO

Borrow funds using your digital assets as collateral. Loans are issued instantly and permissionlessly with no credit checks or sign-up required. Collateral is never relinquished to a third party. All collateral is locked in a smart contract and remains locked until the loan is paid off.

What is ZERO?

Zero is the game changing new feature from Sovryn that offers 0% interest loans when you borrow against your bitcoin. Use your bitcoin as collateral, get your loan in DLLR (a USD-pegged stablecoin), and buy more bitcoin with your bitcoin!

GET ON ZERO

0% Interest for the duration of the loan.

No payback period. You choose when to pay the loan back. If ever.

Unlimited borrowing at a minimum 110% collateral ratio.

No sign-up.

No credit checks.

GET ON ZERO

Operated purely by smart contracts with no central controlling entity. Users can interact with the Zero protocol with no sign-up required.

Non-custodial, censorship resistant and governed by stakers.

Users can interact with the Zero protocol directly from their hardware wallet.

Transparent collateral system.

Loans secured by a Stability Pool containing DLLR and by fellow borrowers who collectively act as guarantors.

GET ON ZERO

Fully Decentralized and Trustless Loans

Borrow against your bitcoin with no sign-up required. You can interact with the Zero protocol directly from your hardware wallet. Finance on your own terms.

GET ON ZERO

The Earning Possibilities are Endless

What are our users doing with their loans to put their BTC to work? Check out some of the most profitable use cases.

get ON ZERO

Buy more bitcoin with your bitcoin! Let the increase in the value of bitcoin pay off your loan and keep stacking sats.

Deposit your DLLR in the Stability Pool and profit from liquidations on the Zero protocol.

Use your DLLR to trade, lend, and earn yield across the Sovryn dapp.

GET ON ZERO
The Zero API is about to be offered out to third parties and developers, to allow you to integrate Zero loans onto your platform.

ZERO B2B INTEGRATION

INTERESTED?

Native API integration and whitelisting

Plug Zero into your exchange, website, or platform and start offering bitcoin loans to all your customers under your own brand. Use our Zero SDK and take advantage of full development support.

Add interest to loans to generate revenue

Have the ability to add interest to the loan to drive revenue against the product. The appetite for Zero is huge, so take advantage of the opportunity and build in a new revenue stream to your platform.

Innovative, industry-changing, product for your users

Zero changes things. Give your customers fully decentralized and trustless loans on their bitcoin, and allow them to generate wealth whilst hodling.
GET ON ZERO

GET IN TOUCH

Leave your details below and we’ll get in touch around how to integrate Zero into your project.

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HODLing is hard. reward yourself.

No one said HODLing is easy. Use the value of your bitcoin in the real world, without selling.

SOVRYN Zero:  interest-free loan forever

Bitcoin-backed loan with no interest and no repayment deadlines.

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faqs

frequently
asked questions

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Does Sovryn offer bitcoin loans?
Yes. You can borrow ZUSD stablecoins with your bitcoin at 0% interest, using Zero or you can borrow bitcoin using stablecoins or SOV as collateral.
How are Zero and Borrow different?
Zero is a product specifically designed for borrowing USD stablecoins against BTC, especially for longer-term borrowing where the interest rate matters more and a one-time borrowing fee doesn't matter as much. Borrow is a more general product for borrowing a variety of assets with different collateral assets.
Can I make real-world purchases with my borrowed stablecoins?
Yes. For Zero, you obtain ZUSD, which you can swap for XUSD and bridge out to an exchange for withdrawal in your local currency to your bank. With Borrow, you can obtain XUSD and then follow the same process.
Is there a repayment schedule?
For Zero, you can hold the borrowed funds as long as you like with no penalty. For Borrow, interest is charged to your loan balance. As long as you maintain sufficient collateral, you can hold it indefinitely.
How are interest rates set?
The interest rate for Zero is always 0%. For Borrow, interest rates are set by a formula that involves the amount of liquidity available and the existing amount of outstanding loans. The interest rate is constantly recalculated. It is applied at the beginning of the loan and then recalculated and applied every 28 days if the loan is not closed.
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