Yes, is always good to have alternatives. Zero is non-custodial and KYC-Free too. And I think in the near future will have other option called: https://fuji.money/ which looks interesting too.

Hodl hodl has very little liquidity and insanely bad interest rates. Sovryn's loans are instant, have no interest, and you maintain custody at all times.

Fuji.money will do the same thing on liquid, which will be awesome.

Have you the possibility to not pay ur credit for life ? With zero you lock up collateral and you keep control with your private keys. You don't have to pay back if you don't want to. No multisig involved just ur private keys.

The "problem" is you have to trust bitcoin sidechain RSK. Weak point is the peg with multisig federator behind TOR, you can argue it's weak and not enough. I love the RSK network and the projects but I expose myself carefully in part because of this.

Being lender and borrower is truelly game changing.

It's zero percent because it's an overcollateralized loan to yourself via a smart contract. You're incentivized to keep the collateral ratio above 110% because under that level the collateral for the loan can be liquidated.