At APX Lending, we prioritize absolute transparency. Your digital assets are securely held in segregated wallets, ensuring they are always visible and accessible on the blockchain. Experience peace of mind knowing your investments are transparent and traceable at every step.
Discover unparalleled value with APX Lending's competitive crypto-backed loan terms. We eliminate origination fees to offer you the best possible rates. Enjoy the flexibility of loan durations ranging from 1 to 60 months and Loan-to-Value (LTV) ratios as high as 70%. Our commitment is to provide you with the most advantageous terms, tailored to meet your financial needs.
Your trust is our top priority. APX Lending goes above and beyond to safeguard your collateral and personal information. With up to $250 million USD in insurance coverage, rest assured that your digital assets are protected against unforeseen circumstances, offering you a secure lending experience.
We take compliance seriously - we are registered with FINTRAC and FinCEN in Canada and the US.
APX Lending adheres to the highest regulatory standards, being duly registered with FINTRAC in Canada and FinCEN in the United States. Our proactive approach to compliance, including preparation for our SOC 2 Type 2 audit, underscores our commitment to operational excellence and trustworthiness in the digital asset lending space.
We understand the value of your time. That's why APX Lending is dedicated to providing rapid service without compromising quality. 90% of our clients complete the sign-up process and receive their loan disbursements within 24 hours. Choose APX Lending for a fast, efficient, and hassle-free loan experience.
We strive to process your registration and loan application in under 3 hours. Get funded in 3 easy steps!
A compliant SaaS solution for financial institutions looking to
offer Bitcoin-secured lending products to their clients.
Talk to our solutions engineering and sales team today!
How do I apply for a loan?
You can apply for either a personal or business loan by clicking Sign Up and going through the application process. You can use the Loan Calculator on the website to estimate the amount of USDC you can borrow against your Bitcoin or Ethereum.
Are there limits to how much I can borrow?
At APX Lending, you are able to get personal loans from as little as $1,000 USDC and up to $1,000,000 USDC. You are able to get business loans starting from $1,000 USDC and up to $10,000,000 USDC. At the current time we only offer loans in USDC. (https://www.circle.com/en/usdc).
What are the eligibility criteria for obtaining a loan?
We do not require a credit check or access to your credit history in order to approve your loan.
You need to create an account on our platform to apply for a loan. As a regulated entity, we check our loan applicants against local and international sanctions and politically exposed peoples lists. Our Team will help you determine if you are qualified.
Which countries do you operate in?
APX Lending is registered with FINTRAC in Canada. In accordance with Canadian laws, we do not offer our services in the following countries: Belarus, Central African Republic, China, Democratic People’s Republic of Korea, Democratic Republic of the Congo, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Moldova, Myanmar, Nicaragua, Russia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Ukraine, Venezuela, Yemen, Zimbabwe.
Pending our application for registration and licensing with various regulatory bodies in the United States, we currently do not offer our services to residents of the United States.
Where is my collateral stored?
Your collateral is stored in a segregated, cold-storage wallet with BitGo, a US-based market leader in regulated custody, and is insured for up to 250M USD. Your collateral is always visible to you on the blockchain for the duration of your loan (except for instances where collateral liquidation is required) and on your dashboard.
What security steps do you take to protect my Bitcoin while it's in your possession?
APX Lending works with world-class cyber security experts to keep our systems and your information safe. Our team has extensive experience managing cyber security and blockchain risks. We store your Bitcoin collateral with BitGo, the world leader in qualified custody. Your Bitcoin collateral with BitGo is covered by 250M USD of insurance. We move your Bitcoin collateral to BitGo using Fireblocks, the world's No. 1 MPC solution provider. Your Bitcoin collateral is covered by 50M USD of insurance when under Fireblocks MPC control. We undergo periodic penetration testing by military-grade pen testing facilities and are currently preparing to undergo SOC 2 Type II certification. SOC 2 Type II certification demonstrates an organization's commitment to data security and provides assurance to customers that the organization has implemented strong controls to protect their data and ensure the reliability and integrity of its services.
Does borrowing against my Bitcoin or Ethereum affect my credit score?
No! We do not contact your credit bureau. We do not pull any soft or hard credit checks from your credit bureau. We do not report back to your credit bureau.