Regulated crypto loans you can trust

At APX Lending, we are committed to meeting the highest compliance standards across all the markets we serve, ensuring a secure, transparent, and compliant experience for our customers.

Compliance that actually protects you

Regulated.

We operate within established regulatory frameworks in the markets we serve, with required registrations, reporting, and ongoing oversight. That means clear rules, documented controls, and accountability. Compliance isn’t a promise: it’s how we run the business.

Segregated custody.

Your collateral is held 1:1 in dedicated wallets with independent custody providers. It’s never pooled, re-lent, or rehypothecated. Segregation ensures your assets remain yours, even if a counterparty fails.

Independently audited.

We validate our controls through annual financial audits and third-party security assessments (including a SOC 2 program). Regular testing, evidence, and reviews replace guesswork with verification.

Trusted counterparties.

We only partner with institutions that meet strict compliance and security standards. Every custodian, banking, and liquidity partner undergoes due diligence, screening, and ongoing monitoring, reducing risk across the entire lending flow.

How APX stays regulated and secure

Clear rules, segregated custody, and independent checks—so your collateral stays yours.

How we operate

We run a regulated crypto-backed lending program in Canada under securities oversight.
Ongoing reporting, reviews, and controls (no “best-efforts” compliance).
Clear disclosures and customer recourse.

Authorizations and registrations

CSA (Canada): Exemptive relief granted to operate crypto-backed lending
FINTRAC (Canada): Registered MSB; ongoing AML reporting.
FinCEN (U.S.): MSB registration.

Independent audits and controls

Annual financial audit by external firm to ensure compliance.SOC 2 security program (Type I and currently pursuing Type II)
SOC 2 security program (Type I and currently pursuing Type II).
Regular third-party penetration testing.

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Regulatory requirements

Jurisdictional differences between locations

Regulatory requirements can differ significantly from one country to another and even within different jurisdictions of the same country. As we continue to grow and enter new markets, we will conduct thorough assessments of the regulatory frameworks in each region. This proactive approach will help us ensure that our services not only remain secure but also comply with all relevant regulations, thereby fostering trust and reliability among our users.

FAQ

How APX stays compliant

Is APX Lending a licensed or CSA-approved crypto lender?

Yes. APX is the only CSA-approved crypto lender in Canada. We also operate as a FINTRAC registered lender in Canada and are registered with FinCEN in the U.S. This ensures our crypto lending programs meet strict regulatory standards.

Which regulations does APX Lending comply with?

We operate under clear regulatory frameworks: CSA Exemptive Relief in Canada, FINTRAC AML/KYC registration, FinCEN oversight in the U.S., and SOC 2 attestation for security and data handling.

What does compliance mean for me as a borrower?

Compliance means your crypto loan is transparent. You can borrow against Bitcoin or Ethereum knowing your collateral is held in segregated, cold-storage custody and backed by regulatory oversight.

Do regulations differ by country?

Yes. Rules vary by jurisdiction, and APX adapts accordingly. In Canada, we operate under CSA and FINTRAC; in the U.S., under FinCEN. As we expand into new regions, we conduct thorough reviews to remain fully compliant with local laws.

How does APX protect against money laundering or fraud?

We maintain a full AML/KYC program to screen borrowers, prevent illicit activity, and ensure transparency. This protects both APX and our clients while strengthening the integrity of our crypto loan offerings.

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 .