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.

Institutional-grade lending. Personal client service.

Access $100K+ in liquidity against your Bitcoin or Ethereum—no selling, no tax trigger, with collateral held in fully segregated, insured custody. CSA-compliant and powered by a bespoke lending experience built around you.

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The most flexible and secure way to borrow against your crypto.

Flexible terms without compromise—we adapt to your needs while your collateral remains protected and insured.

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Get more from your Bitcoin.

Borrow up to 60% of your collateral for up to 5 years, the highest LTV in the market. Make your Bitcoin work harder for you.

Your terms, your timeline.

Repay early, redraw anytime, withdraw excess collateral, or extend your term. No penalties, no lock-ins, no surprises.

Stay safe through volatility.

Maintain peace of mind with a 90% liquidation threshold—the highest liquidation margin in the industry

Trusted custody. Transparent lending.

Built for serious holders. Backed by serious standards.

Trust

The only CSA-approved crypto-backed lender, registered with FINTRAC and FinCEN, SOC 2 compliant—operating securely across Canada and the U.S.

Security

Your crypto is custodied with BitGo in insured, cold, segregated wallets—never re-lent, pooled or rehypothecated—covered by up to $250M in insurance.

Transparency

No hidden or origination fees and borrowers can view their BTC or ETH collateral at all times, both on-chain and directly on their APX Lending platform.

Protection

Collateral is held in APX US LLC, a bankruptcy-remote subsidiary of APX Inc., used solely to deploy loans in the U.S.—providing structural protection in any insolvency event.

Loan calculator

Discover what’s possible with your crypto.

Enter your crypto, see your cash—no credit checks, no obligations.

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How APX Lending works

Apply in minutes

Use your email, pick a term (3–60 months) and LTV (20–60%), upload your ID, and get pre-qualified in minutes.

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Approve & deposit

Review your offer, e-sign, then send your crypto to your dedicated APX Lending wallet (BitGo Trust custody; segregated and insured).

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Get funded fast

Once collateral confirms, we release your loan. CAD wires typically arrive in 3–24 hours. USDC (where available) is usually processed within ~3 hours during business hours.

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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 .