Canada’s first regulated digital-asset-backed lender launches a five-year revolving facility that lets clients borrow against Bitcoin, Ethereum or both, with no origination, prepayment or liquidation fees and up to $250 million in collateral insurance coverage.
TORONTO, Sept. 3, 2026 /PRNewswire/ — For more than a decade, digital assets have promised to become part of everyday finance. But delivering on that promise requires more than innovation alone. It requires financial infrastructure people can trust and use. APX Lending (“APX”) has spent years building the regulated credit products and systems needed to make that possible. The launch of the APX Line of Credit is the latest step toward that goal.
Built for Real-World Financial Needs
APX clients have already used digital-asset-backed loans to finance businesses, pay down high-interest debt, put money toward mortgages and meet other real-world financial needs. The APX Line of Credit is designed for the reality that those needs often evolve over time, rather than arriving as a single transaction.
This new offering expands APX’s digital-asset credit platform, which now spans fixed-term lending, revolving credit and Lending-as-a-Service.
How the Line of Credit Works
The five-year revolving facility lets clients borrow against Bitcoin, Ethereum or both, repay principal when they choose and redraw available credit as their needs change.
Borrowers establish the facility once rather than applying for a new loan each time they need liquidity. Interest accrues only on the amount drawn, with no interest charged on unused capacity and no fees for repaying drawn funds.
Annual rates range from 10.49% to 11.99%, depending on the outstanding balance, and there are no origination, prepayment or liquidation fees.
“At APX, we’re constantly asking how credit against digital assets can be made safer, more flexible and better for the borrower,” said Andrei Poliakov, Founder and CEO of APX Lending. “A revolving line of credit is something our clients have asked us for repeatedly. You may need money for a purchase today, an investment three months from now and a business expense later in the year. You shouldn’t have to start a new loan every time. We built the Line of Credit so you establish the facility once, then draw, repay and redraw as your needs change.”
Bitcoin and Ethereum, Together
Unlike APX‘s fixed-term loans, which are collateralized by either BTC or ETH, the Line of Credit can use both assets together to calculate borrowing capacity.
For example, a client holding $200,000 of Bitcoin and $100,000 of Ethereum can use the combined $300,000 value to support a single line of credit. At 60% LTV, that collateral could provide up to $180,000 of borrowing capacity.
Available credit changes dynamically based on the current market value of the collateral and the amount already drawn. As collateral values rise or fall, borrowing capacity adjusts with them.
Built on Years of Infrastructure, Not Just a New Feature
Putting “line of credit” on a product page is easy. Making it hold up for a volatile asset class, at scale, with real money on the line, is a different problem entirely. It is a problem APX has spent years building the fundamentals to solve.
From choosing to operate within a regulated framework when much of the digital-asset lending market did not, to building the systems that now power APX products and third-party lending solutions, APX has developed the infrastructure needed to make digital assets more practical in everyday finance and safer to borrow against.
That infrastructure includes:
- Regulatory framework: APX operates within a regulated framework built specifically for digital-asset-backed lending, with compliance processes supporting its lending activities across multiple jurisdictions.
- Institutional-grade custody and insurance: client collateral is held in segregated BitGo Trust cold-storage wallets, never rehypothecated and protected by insurance coverage of up to $250 million.
- On-chain transparency: clients can independently verify their collateral on-chain 24/7 through the APX platform.
- Automated collateral and risk management: APX continuously monitors digital-asset prices and loan LTVs, with systems built to manage margin notifications and partial liquidations as market conditions change. That includes APX’s 90/85 Standard, which liquidates only enough collateral to reduce LTV from 90% to 85%, preserving as much of the client’s digital-asset holdings as possible.
- Security and operational controls: APX’s security program includes SOC 2-audited controls designed to support the systems, processes and safeguards required to operate digital-asset lending infrastructure reliably and at scale.
That same foundation powers APX’s global Lending-as-a-Service offering, enabling financial institutions and fintechs to offer APX-powered digital-asset lending products to their own clients without building the infrastructure from scratch.
Bringing Digital Assets and Traditional Finance Together
The digital-asset industry has given both clients and traditional financial institutions plenty of reasons to be cautious. That caution has helped keep digital assets and traditional finance in separate worlds. APX’s mission is to bring those worlds closer together by building regulated digital-asset credit infrastructure around custody, transparency, compliance and risk management. The goal is simple: clients should be able to access liquidity against their digital assets without having to choose between the flexibility those assets offer and the standards they expect from traditional finance.
APX was the first digital-asset-backed lender approved by the Canadian securities regulators and is registered with both FINTRAC and FinCEN.
“Digital assets do not need to live in a separate corner of finance,” said Poliakov. “The people using them want the same things everyone else wants: access to financial products that give them greater freedom and control over their lives, confidence that their assets are safe, complete transparency into who they are dealing with, and a system they can rely on when they need it. We have spent years building APX around that idea, because trust is what ultimately brings these two worlds together.”
The APX Line of Credit is now available to eligible borrowers in supported jurisdictions at www.apxlending.com.
About APX Lending
Founded in 2023, APX Lending is a regulated digital-asset credit infrastructure company providing crypto-backed loans directly to borrowers and powering partner-branded products through its Lending-as-a-Service platform. APX combines technology, underwriting, capital, collateral management, servicing and compliance to help partners launch embedded crypto-backed credit products.
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SOURCE APX Lending
