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Security at APX Lending

At APX Lending, security comes first. We combine institutional-grade protocols with regulated custodians like BitGo to safeguard your assets, data, and transactions at every step.

Key security features that protect your assets

Multi-factor authentication

Every account is secured with MFA (2FA, IP whitelisting, and email verification) to block unauthorized logins and protect against phishing and credential theft.

Advanced app and API protection

Protected by Cloudflare with DDoS defense, WAF, secure delivery, and monitoring—ensuring high availability, resilience, and performance.

Multi-signature authorization

We use Fireblocks MPC wallets with multi-party approvals, removing single points of failure and safeguarding transfers against fraud and insider risk.

Institutional-grade custody

Collateral is held with BitGo in segregated, insured wallets using advanced encryption—ensuring assets remain secure, compliant, and verifiable on-chain, 24/7.

Our expertise in security and compliance

Our team has over two decades of combined experience in secure, regulated blockchain platforms and a proven record of zero collateral loss.

Segregated cold storage

Collateral is stored in segregated, insured cold wallets that cannot be co-mingled or rehypothecated. This ensures your assets remain yours, verifiable on-chain 24/7.

Independent pen-testing

We undergo regular penetration tests by leading cybersecurity firms. Both front- and back-end systems are tested to eliminate vulnerabilities before they can be exploited.

Continuous account monitoring

Every borrower account is monitored 24/7 for suspicious activity. Our team quickly flags and mitigates potential account takeovers or unauthorized access.

Insured crypto funds

Collateral stored with BitGo is insured for up to $250M. In addition, APX Lending holds a Financial Institution Bond to provide extra protection against fraud and theft.

Trusted custodianship

We only work with regulated, institutional-grade custodians like BitGo—trusted by governments, financial institutions, and major enterprises worldwide.

Registered and compliant

We are registered with financial intelligence units (e.g., FINTRAC in Canada, FinCEN in the U.S.), have CSA exemptive relief and are SOC 2 compliant.

Trusted custody. Transparent lending.

FAQ

Your security questions, answered

Are crypto-backed loans safe with APX?

Yes. APX is a CSA-approved crypto lender, FINTRAC registered in Canada, and FinCEN registered in the U.S.. We are SOC 2 attested and run annual penetration tests. These safeguards mean your crypto loan is backed by the same standards regulators require of financial institutions.

Where is my collateral stored?

Your Bitcoin or Ethereum is held in segregated BitGo Trust cold storage wallets with multi-sig security. These wallets are never co-mingled or re-lent, and are insured for up to $250M underwritten by Lloyd’s of London. You can also verify your holdings on-chain in real time.

How does APX protect my data?

We adhere to SOC 2 standards for data security, meaning your personal and financial information is handled under rigorous controls. Regular third-party penetration tests ensure our systems remain secure against vulnerabilities.

What happens if the market drops and my LTV ratio rises?

Your loan-to-value ratio is updated in real time. At 80%, you’ll receive an alert. Only if your LTV exceeds 90% will collateral be partially liquidated to protect your position.

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 .