At APX Lending, we use a transparent Loan-to-Value (LTV) system to manage risk for both borrowers and the platform. Liquidation only occurs if the value of your loan relative to your collateral reaches 90% LTV.

Our risk engine monitors collateral pricing in real time (every 30 seconds) using multiple exchange data sources. This ensures fair and accurate market pricing for all margin calls and liquidation events.

Margin Call: Begins at 80% LTV

• If your loan reaches 80% LTV, you will enter a margin call.

• At this stage, you will receive automated email notifications every 6 hours reminding you of your current LTV status.

• You will have the opportunity to:

  1. Top up collateral (add more BTC/ETH to lower your LTV).

  2. Repay part of your loan to bring your LTV back down.

  3. Do nothing and continue to monitor (not recommended).

No collateral will be sold at the 80% stage, it is purely a warning zone designed to give you time to act.

Liquidation: At 90% LTV

• If your loan reaches 90% LTV, liquidation is automatic and immediate.

• A portion of your collateral will be sold to reduce your loan back to its original LTV at the time of loan issuance.

• A 5% processing fee is applied to liquidated collateral, as outlined in your loan agreement.

• This protects both you and APX from further downside risk.