APX Lending

About

APX Lending is an innovative crypto-backed lending service that allows users to generate instant liquidity without the need to sell their cryptocurrency. APX Lending operates in the space between the world of DeFi innovation and financial compliance. This platform allows people, businesses, and institutions to lend Bitcoin (BTC), Ethereum (ETH), and other cryptocurrencies. APX Lending emphasizes providing institutional-quality lending services with compliance at its core. APX Lending allows users to borrow against their crypto while keeping their investments intact, reducing the need to sell assets and potentially avoiding tax implications. Key Features of APX Lending: • Fiat/USDC loans using BTC/ETH collateral without selling crypto. • Registered with FINTRAC (Canada) and FinCEN (USA), with CSA exemptive relief approval and full AML compliance standards. • Users can use their crypto as collateral without affecting their credit score or requiring traditional bank approval • API-based crypto lending infrastructure and custom-branded lending platforms for fintechs and institutions. APX Lending Milestones: Year Achievements 2022 The founding team started building a compliance-first alternative. The system was built on an institutional model where assets are never pooled or re-lent, setting it apart from typical post-2022 market practices. 2023 APX Lending officially launched, focused on offering secure, non-taxable liquidity using Bitcoin (BTC) and Ethereum (ETH) as collateral. The company registered as a Money Services Business (MSB) with FINTRAC in Canada and FinCEN in the United States. Strategic custody support was secured through BitGo Trust, keeping user collateral in segregated, insured cold-storage wallets. 2024 The project became a notable participant in Canada’s crypto space, working with the Ontario Securities Commission (OSC) on shaping regulatory frameworks for crypto lending. An international joint venture was signed with Australian fintech firm Butn Ltd., preparing expansion into Australia and New Zealand. SOC 2 compliance attestation was officially achieved. 2025 APX Lending became the first crypto-backed loan provider in Canada to receive exemptive relief from the Canadian Securities Administrators (CSA), allowing it to operate under defined legal conditions. Integration was completed with Canadian institutional custodian Balance, bringing APX into the institutional crypto lending ecosystem. A $20 million accordion credit facility was secured from private credit firm Cypress Hills to support expansion across retail and white-label business lines globally.

Funding

• Debt FinancingCypress Hills Partners2,00,00,00011 Apr 2025

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