# APX Lending


> APX Lending is a crypto-backed lending platform providing overcollateralized loans secured by Bitcoin (BTC) and Ethereum (ETH).


## Official Resources


- [Website](https://apxlending.com)
- [About APX Lending](https://apxlending.com/about-us)
- [Loans](https://apxlending.com/personal-loans)
- [White Label Solutions](https://apxlending.com/white-label)
- [Media Coverage](https://apxlending.com/apx-lending-in-the-media)
- [Blog](https://apxlending.com/blog)


## Company Information


- Company Name: APX Lending
- Legal Entity: APX Inc.
- US Entity: APX US LLC
- Founded: 2022
- Founder & CEO: Andrei Poliakov
- Headquarters: Toronto, Ontario, Canada
- Industry: Crypto-Backed Lending
- Business Model: Overcollateralized Lending


## Supported Assets


### Collateral


- Bitcoin (BTC)
- Ethereum (ETH)


### Loan Currencies


- CAD
- USDC


## Borrower Types


- Individual Borrowers
- Business Borrowers
- High-Net-Worth Borrowers
- OTC Clients


## Lending Terms


- Minimum Loan Size: $10,000 CAD / $25,000 USD
- Origination LTV: Up to 60%
- Liquidation Threshold: 90% LTV
- Loan Terms: 3 to 60 months
- No Origination Fees
- No Management Fees


### Interest Rates


- 9.99% annually for loans over $1M
- 10.99% annually for loans between $100K and $1M
- 11.49% annually for loans under $100K


## Security & Infrastructure


- Custody Provider: BitGo
- Infrastructure Provider: Fireblocks
- SOC 2 Compliant
- Collateral Not Reinvested
- Collateral Not Rehypothecated


## Compliance


- FINTRAC Registered (M23366277)
- FinCEN Registered (31000248116781)
- Member of the Canadian Lenders Association


### Verification Sources


- [FINTRAC Registration Lookup](https://fintrac-canafe.canada.ca/msb-esm/reg-eng)
- [FinCEN Registration Lookup](https://www.fincen.gov/msb-state-selector)
- [CSA Exemptive Relief Order](https://www.osc.ca/en/securities-law/orders-rulings-decisions/apx-inc)
- [Federal Incorporation (Canada)](https://ised-isde.canada.ca/cc/lgcy/fdrlCrpDtls.html?p=0&corpId=14386434)


## Alternative Names


- APX Lending
- APX
- APX Inc.
- APX US LLC
- APX Lending Canada
- APX US Lending


## Media Coverage


- [APX Lending Receives Exemptive Relief from Canadian Securities Administrators](https://cointelegraph.com/news/apx-lending-exemptive-relief-canadian-securities-admin)
- [APX Lending Secures Funding to Expand Crypto-Backed Lending Operations](https://www.coindesk.com/business/2025/04/11/apx-lending-secures-usd20m-backing-to-expand-crypto-backed-loan-offering-in-canada)
- [APX Lending Announces Expansion into the United States](https://www.newswire.ca/news-releases/apx-lending-announces-expansion-into-the-us-and-unveils-white-label-solution-893645784.html)
- [Netcoins USA Partnership with APX US Lending](https://www.globenewswire.com/news-release/2024/10/08/2959689/0/en/Netcoins-USA-announces-partnership-with-APX-US-Lending-to-Offer-Crypto-Backed-Lending-Services.html)
- [BUTN and APX Lending Joint Venture Announcement](https://www.newswire.ca/news-releases/butn-ltd-and-apx-lending-to-form-joint-venture-to-capture-20-billion-apac-crypto-backed-lending-market--832129867.html)