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Offer compliant crypto-backed loans under your brand in 60 days.

Launch crypto-backed lending in weeks, not years. APX provides the regulatory, custody, risk, and operational infrastructure so you can stay focused on your clients.

Who it’s for

For exchanges, fintechs, banks, OTC desks, and digital asset platforms.

Add crypto-backed lending to your platform without building the infrastructure yourself. Keep your brand, client relationship, and user experience while APX powers the lending rails behind the scenes.

Plug and play out of the box (<60 days to go live)

Regulator-approved

FinCEN and FINTRAC registered

Segregated BitGo custody with up to $250M insurance

SOC 2 compliant

AML/KYC/KYT workflows

Collateral crypto agnostic

Fiat and stable coin payout agnostic

Zero losses to date

Integration options

Referral - Several Days

Best for: Exchanges and fintechs that want to test demand fast before committing development resources.
Your users click a trackable referral link and apply through the APX Lending website. You earn rev-share on every deployed loan.

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Branded - 1 to 2 weeks

Best for: Teams that want their own branding on the lending product with minimal development resources.
APX hosts the lending product on your domain with your logo and branding. In Canada - back office handled by the APX team.

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Hybrid - 4 to 6 weeks

Best for: Platforms that want lending within their existing product/interface.
Prebuilt components for application, KYC, deposit, and dashboard. Secure SSO handoff and API and webhooks for status and events.

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Full API - 6 to 12+ weeks

Best for: Teams with in-house engineering and existing platforms looking for end-to-end UX/UI control.
End-to-end APIs covering onboarding, KYC, LTV, pricing, liquidation, disbursements, statements, and servicing. Role-based admin and full audit logs.

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Why teams choose APX Lending

Compliant infrastructure

Built to meet the demands of Canada’s CSA framework - one of the world’s strictest regulatory standards for crypto platforms. FINTRAC and FinCEN registered. SOC 2 attested. Embedded AML, KYC, and KYT workflows.

Custody-agnostic architecture

Custodian-agnostic by design, with out-of-the-box integration to segregated BitGo custody, up to $250M insurance, and on-chain collateral visibility.

Speed to market and flexibility

Launch within weeks instead of years using scalable, battle-tested infrastructure. Supports multiple collateral assets and loan proceeds. Fully configurable loan parameters, liquidation thresholds, and risk triggers.

Dedicated architecture

Each partner program is deployed in a dedicated, segregated environment with separate instances, databases, workflows, role-based access, reporting, and full audit trails.

Up and running in three steps

Choose your integration path

Start with referral, hosted, embedded, or full API depending on your timeline, technical capacity, and desired level of control.

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Configure and integrate

Align on supported assets, loan terms, LTV parameters, economics, reporting, and operational workflows. APX adapts the structure to your business model and client experience.

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Start originating loans

Your clients can access crypto-backed lending through your chosen model within 60 days, powered by APX’s underlying technology and operational infrastructure.

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Your model, your margins

International
APX provides the white-label platform and supporting infrastructure. Partners are responsible for local compliance, lending capital, and day-to-day operations.

Canada
APX remains lender of record under its CSA framework. Partners can launch through referral, hosted, embedded, or full API models, with economics structured around APX capital, partner capital, co-lending, platform fees, or revenue share.

United States
APX supports referral, hosted, embedded, and full API models for qualified U.S. partners, with economics based on the integration model, capital source, and regulatory structure.

Backed by institutional infrastructure.

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Launch crypto lending

Accounts with APX Inc. are not protected by the Canadian Investor Protection Fund (CIPF), Canadian Deposit Insurance Corporation (CDIC), Securities Investor Protection Corporation (SIPC), or the Federal Deposit Insurance Corporation (FDIC). Content made available through the APX Platform, including social media, podcasts, and other materials, is for general informational and educational purposes only and should not be considered legal, financial, investment, or other professional advice. For information on how to submit a complaint, please visit our Complaints page. For more information, see our Terms and Conditions .