apx lending

apxlending.com

VCMatch tracks apx lending as an investor focused on Blockchain Crypto and Fintech companies, Canada, United States, and Australia markets, and $10m check sizes. Upload your deck to compare your startup against the full private matching profile.

Check Size

$10m

Stages

Not specified

Focus Areas

Blockchain Crypto, Fintech

Geography

Canada, United States, and Australia

Investment Thesis

APX Lending’s investment/philosophy centers on accelerating crypto adoption by building institutional-grade, compliance-first lending rails that bridge digital assets and traditional finance. They emphasize trust and transparency over speculation — “We’re not chasing hype—we’re building the rails for the next financial era” — and treat “Compliance isn’t red tape. It’s the foundation of adoption.” The firm prioritizes secure, auditable custody, regulatory engagement, and predictable product design (BTC/ETH-backed, overcollateralized loans) so institutions and retail users can access liquidity without selling core crypto holdings.

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Investment Focus

Who should take a closer look

apx lending is most relevant for founders raising venture-backed rounds in Blockchain Crypto and Fintech, especially across Canada, United States, and Australia, with public check-size signals around $10m.

Focus statement

APX focuses on providing compliant, secure, and transparent Bitcoin- and Ethereum-backed loans to retail and institutional borrowers in the U.S., Canada and expanding globally (including white-label solutions for banks and fintech). They prioritize regulatory approvals and institutional integrations (registered with FINTRAC and FinCEN; CSA exemptive relief in Canada).

Value Add

First mover on Canadian regulatory approval: granted exemptive relief by the Canadian Securities Administrators (CSA) — cited as a "first in the country for a crypto-backed lender."
Regulatory registrations and audits: registered with FINTRAC (Canada) and FinCEN (U.S.) and SOC 2 Type 1 certified, highlighting institutional-grade controls.
Custody & insurance: collateral held in segregated cold-storage wallets with BitGo with coverage up to $250M; collateral is "visible on-chain 24/7."
No rehypothecation: explicitly states "We never rehypothecate, pool, or re-lend client collateral."
Credit approach: loans approved on crypto collateral and LTV rather than credit scores — "We don’t run credit checks."
Product & speed: clear LTV bands (20%–60%), minimum loan sizes by region, and operational speed ("90% of approved applicants are funded within 24 hours").
Institutional integrations & partnerships: strategic integrations (Balance), joint ventures (Butn Ltd for APAC), and partnerships (Netcoins USA) to enable custody-native and white-label lending solutions.