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