At APX Lending, we prioritize client security, transparency, and full regulatory compliance. Unlike offshore lenders or DeFi protocols, we operate under strict oversight in Canada and the U.S, offering peace of mind alongside your loan.

Key Differentiators

1. Regulatory Oversight in Canada and the U.S.
APX Lending is:

• Registered with FINTRAC (Canada)

• Registered with FinCEN (U.S.)

• Exempted by the Canadian Securities Administrators (CSA) through the Ontario Securities Commission (OSC), allowing us to offer crypto-backed loans legally and transparently without traditional dealer registration.

You can review our OSC order here: APX Inc. – OSC Exemptive Relief

2. Secure Custody and Insurance
Client collateral (BTC, ETH) is held in insured, segregated cold storage with a qualified third-party custodian.

• Custody is backed by up to $250M in insurance

• Storage is visible on-chain

• APX is SOC 2 Type 1 certified, with SOC 2 Type 2 underway

3. Your Crypto Is Never Rehypothecated
We do not reinvest, re-lend, or use your collateral in any way during your loan term. It remains secure and untouched unless a liquidation threshold is met (at 90% LTV).

4. Transparent Terms and LTV Management

• LTV (loan-to-value) thresholds are clearly defined:

  • Target LTV: 20% to 60%

  • Margin Call: ~80%

  • Liquidation: ~90%

• Loans can be repaid early (after 3 months) without penalty

• Collateral is auditable on-chain and can be reclaimed or topped-up during your term

5. Real-Time Support and Regulated Processes

• Our support team is available to assist in real time. 

Comparison with Offshore and DeFi Lenders

Learn More
For more details, visit our Regulation Page or contact our team at support@apxlending.com.