How Lombardor scaled compliant crypto-backed lending with APX Lending

Partner-led expansion into Europe using embedded, white-label crypto lending infrastructure without adding operational or regulatory friction.

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Overview

Problem: High regulatory barriers

Regulatory requirements made launching crypto-backed lending in Europe difficult.

Solution: Embedded lending infrastructure

APX enabled white-label, compliant lending without operational or regulatory overhead.

Results: Scalable European expansion

Lombardor launched quickly and established a foundation for multi-region growth.

THE CHALLENGE

Entering Europe without compromising compliance or speed

Europe remains underserved for crypto-backed lending due to regulatory complexity.

For Lombardor, launching meant overcoming fragmented regulations, limited compliant lenders, and the cost and time of building infrastructure in-house.

A custom build would have required custody, underwriting, risk management, and regulatory oversight—before issuing a single loan.

They needed to launch fast without assuming regulatory or operational risk.

THE SOLUTION

White-label, embedded lending for regulated markets

Lombardor embedded crypto-backed lending via APX’s white-label infrastructure.

APX handled compliance, integrations, and loan operations. Lombardor retained brand, distribution, and the customer relationship.

THE RESULTS

A scalable foundation for European crypto lending

Using APX’s white-label infrastructure, Lombardor entered Europe quickly with a compliant lending product that scales with demand. The platform differentiated Lombardor in an underserved market while providing a foundation that can expand across regions as regulation evolves, without re-architecting their stack.

Partnering with APX allowed us to launch compliant crypto-backed lending in Europe without having to worry about regulatory bottlenecks. Ultimately, they accelerated our go-to-market by handling compliance, so that we could focus on supporting our customers.
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— Dr. Frank Schlaberg | CEO, Lombardor

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