Yes. If the value of your collateral increases and your Loan-to-Value (LTV) ratio falls below your original LTV, you may withdraw some of the excess collateral.

How It Works

• When the market value of your collateral rises, your loan LTV decreases.
• If your LTV is lower than at the time of loan origination, you can withdraw the surplus collateral while keeping your loan at or below the original LTV.
• Minimum withdrawal amounts:
  • Canadian borrowers: $10,000 CAD
  • U.S. borrowers: $25,000 USDC

How to Request a Withdrawal

1. Log in to your APX Lending account.
2. Navigate to the Active Loan you want to withdraw collateral from.
3. Click the three dots (⋮) in the top right of the Loan Details page.
4. Select Withdraw Collateral and follow the on-screen prompts.

Processing Time

Once submitted, withdrawal requests can take up to 5 business days to process. You'll receive a confirmation once your collateral has been sent to your wallet.

Example

• You borrow $50,000 against $100,000 BTC collateral (50% LTV).
• Later, the value of your BTC increases to $150,000.
• Your LTV drops to ~33%.
• You may withdraw up to $50,000 worth of BTC collateral, which brings your loan back to 50% LTV.
• Withdrawal requests must meet the minimum threshold for your region.