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MEXC has launched a limited-time promotion offering zero-interest borrowing on USDT and USDC, dropping its standard 3.5% rate to zero through February 27 as exchanges compete aggressively for active traders. The offer, announced Monday, applies to the platform’s collateralized lending product and supports borrowing against Bitcoin, Ethereum, Solana, and XRP.
For traders, the offer positions a Zero interest Crypto loan as a rare opportunity to deploy leverage without the usual financing drag.
“This promotion is designed to give users greater flexibility and lower barriers when managing capital in fast-moving markets,” an MEXC spokesperson said.
Under the promotional terms, verified users can borrow USDT or USDC while pledging major cryptocurrencies as collateral. Supported assets now include Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and XRP, reflecting MEXC’s broader push to expand lending options. During the campaign window, the Zero interest Crypto loan applies automatically, with no fixed borrowing term imposed.
Users retain full control over their collateral ratios, allowing them to adjust positions as market conditions change. Once the promotion ends on February 27, standard interest rates will resume without requiring manual action, the company said.
Participation is limited to users who complete Primary Know Your Customer (KYC) verification before the deadline, aligning the Zero interest Crypto loan offer with regulatory compliance requirements.
The launch comes at a time when exchanges are competing aggressively for liquidity and user engagement. By introducing a Zero interest Crypto loan, MEXC is effectively lowering the cost of leverage for active traders who rely on borrowed stablecoins to amplify strategies across spot and derivatives markets.
Borrowed funds can be deployed across spot trading, futures contracts, and other investment products available on the platform. This flexibility is central to the appeal of a Zero interest Crypto loan, particularly for traders looking to rotate capital quickly without incurring interest expenses.
“MEXC Loans gives users more choice in how they manage capital,” the company said in its announcement, adding that the promotion is meant to support diverse trading strategies.
By adding SOL and XRP alongside BTC and ETH, MEXC is responding to demand for broader collateral support. Analysts say this expansion enhances the usefulness of a Zero interest Crypto loan, especially for users whose portfolios extend beyond Bitcoin and Ethereum.
“Collateral diversity is becoming a key differentiator in crypto lending,” said a digital asset analyst familiar with centralized lending products. “When combined with a Zero interest Crypto loan, it becomes a powerful incentive for traders to consolidate activity on one platform.”
While the offer is attractive, MEXC has emphasized that crypto markets remain highly volatile. Leveraged trading—even through a Zero interest Crypto loan—can amplify both gains and losses. The exchange cautioned users to manage risk carefully and monitor collateral levels to avoid liquidation.
Founded in 2018, MEXC reports serving more than 40 million users across over 170 countries. The platform is known for offering zero-fee trading on select pairs, a positioning that complements the Zero interest Crypto loan promotion by further reducing trading costs.
The broader crypto lending landscape has shifted significantly since the market downturns of previous years. Exchanges are now more cautious, focusing on overcollateralized products rather than unsecured lending. Within that framework, a Zero interest Crypto loan stands out as a marketing lever rather than a long-term pricing model.
“Promotions like this are about volume and engagement,” said a market strategist tracking centralized exchanges. “A Zero interest Crypto loan can draw in traders who might otherwise sit on the sidelines, but it doesn’t eliminate the underlying risks.”
MEXC confirmed that once the promotional window closes, borrowing rates will revert to the standard 3.5%. Users who take advantage of the Zero interest Crypto loan before then will need to reassess strategies as costs normalize.
Still, the initiative underscores a broader trend: exchanges are experimenting with aggressive incentives to capture market share. For now, the Zero interest Crypto loan promotion gives MEXC a temporary edge, offering traders a rare chance to borrow stablecoins without interest in an environment where every basis point counts.
Whether this approach becomes a recurring feature or remains a one-off campaign will depend on user response and market conditions. But in the short term, the Zero interest Crypto loan is reshaping how traders think about leverage, cost, and opportunity on centralized exchanges.
