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Get approved and funded in under 24 hours, no need to sell your Ethereum.
No Credit Checks
We lend based on your crypto, not your credit score.
Fixed Rates & Flexible Terms
Enjoy predictable monthly payments with fixed APRs and loan terms from 3 to 60months. Borrow up to 60% LTV.
Cold Storage, No Rehypothecation
Your crypto stays safe in insured cold storage with BitGo, never rehypothecated or reinvested. You can verify your collateral at any time on the blockchain.
Why Choose APX Lending for Your Ethereum-Backed Loan?
Enjoy flexible financing, cold storage security, and fast approvals, all without selling your Ethereum. APX Lending is purpose-built to serve Ethereum holders with transparency and trust.
Access Liquidity Without Compromising Your Ethereum Assets
APX Lending offers Ethereum-backed loans for borrowers who want to retain ownership of their crypto while accessing liquidity. Our approach is built on simplicity, security, and full regulatory compliance.
Transparency and Security
Our commitment to transparency builds trust andconfidence among our clients, knowing that their collateral is safe, secure andheld with insured, qualified custodians in segregated cold storage wallets.
Tailored Lending Solutions
Whether you’re an entrepreneur seeking capital or an individual covering personal expenses, our flexible financing options ensure you get the support you need when you need it.
Efficiency and Timeliness
From swift loan application processing to prompt disbursement of funds upon approval, we streamline every step of the process.
This was such a simple process from start to finish. As a business owner who struggles borrowing against land and equipment assets, being able to manage my BTC like this without giving up the asset completely changes the opportunity for capital management and strategic growth.
– Akeem, CA
APX: Safe, Secure, and easy to use
After researching several Bitcoin lending services, I chose APX, and I couldn’t be happier with my decision. The platform is user-friendly, and their support team helped me clearly understand my options. I feel confident and safe, and that peace of mind lets me sleep soundly at night.
– Jason Brooks, US
Very easy process and I received my loan fast
Very easy process and I received my loan within a few hours of depositing my collateral.
An APX Lending Ethereum-backed loan is the perfect way of accessing cash while not having to sell your crypto.
Ethereum vs Bitcoin – What’s the Difference for Borrowers?
While both Ethereum and Bitcoin can be used as collateral for loans, they serve different purposes and appeal to different kinds of users.
Feature
Ethereum (ETH)
Bitcoin (BTC)
Primary Use
Smart contracts, slapps, NFTs, D&Os
Long-term store of value, "digital gold"
Supply Model
Unlimited, with deflationary burn
Fixed supply (21 million max)
Typical Wallets
Metakiosk, Ledger Nano 5, MyGhareWallet
Ledger, Tensor, Codboard
Borrower Profile
Web3 builders, DeFi users, D&O members
HCOUers, long-term investors
Why Borrow
Access liquidity without selling ETH
Unlock cash flow without liquidating BTC
💡TL;DR: Ethereum-backed loans are often used for agile, short-term capital access. Bitcoin-backed loans are ideal for long-term wealth strategies where asset preservation matters.
Why Borrow with APX Lending?
🇨🇦 CSA-Approved & Regulated:
We’re the first crypto-backed lender in Canada to receive exemptive relief from the Canadian Securities Administrators (CSA).
🔐Insured Cold Storage:
Your Bitcoin is stored in segregated wallets with BitGo, always visible on the blockchain.
📉Flexible LTV Options:
Start with loan-to-value from 20%-60% for fullflexibility and control
🛑No Rehypothecation:
Your collateral is never lent out or reinvested, it stays safely held on your behalf in segregated and insured cold storage wallets.
Frequently Asked Questions
What are the interest rates for Ethereum Backed Loans?
At APX Lending, our interest rates for Ethereum-backed loans are competitive and tailored to accommodate the needs and risk profiles of our clients. Factors such as loan duration, loan amount, and market conditions may influence the interest rates offered. We strive to provide transparent and fair terms, ensuring that our clients receive competitive rates that align with industry standards. We currently charge 13.99% APY on our Ethereum-backed loans.
What happens if the value of my Ethereum collateral falls?
In the event of a decline in the value of your Ethereum collateral during the loan term, our team may take proactive measures to mitigate risk and maintain the integrity of the loan. These measures may include adjusting the loan-to-value (LTV) ratio, offering options for additional collateral, or providing alternative repayment arrangements.
Our priority is to ensure the stability and security of your loan while safeguarding your interests. Should the LTV of your loan increase to 90%, our team will conveniently and automatically liquidate your collateral and pay back your loan on your behalf.
How long does it take to get approved for an Ethereum Loan?
The approval process for an Ethereum Backed Loan at APX Lending is swift and efficient. Upon submission of your loan application, our team conducts a thorough evaluation, leveraging blockchain technology for transparent verification.
While approval times may vary depending on factors such as application complexity and verification requirements, we strive to provide timely responses to our clients and issue the loans within 24 hours of application. Rest assured, we prioritize efficiency without compromising the accuracy and reliability of our assessments.
How quickly will I receive the loan funds?
Once your loan is approved and the terms are accepted, you can expect to receive the loan funds within 24 hours. At APX Lending, we understand the importance of timely access to capital, especially for urgent financial needs or business opportunities. Our streamlined funding process ensures minimal delay in disbursing funds to our clients, enabling them to execute their financial plans with confidence and efficiency.
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