APX Lending

APX Lending

FinTech DevelopmentBlockchain DevelopmentWeb DevelopmentUI/UX DesignSecurity SolutionsDevOps

APX Lending stands as a groundbreaking FinTech platform that redefines access to liquidity through secure and compliant crypto-backed loans. Engineered to serve a broad spectrum of clients—from individuals and businesses seeking rapid funding to financial institutions leveraging its white-label solutions—this advanced system provides unparalleled speed, with over 95% of funds disbursed within 24 hours, all without traditional credit checks. A cornerstone of APX Lending's success is its robust commitment to regulatory compliance, uniquely positioned as the only CSA-compliant crypto-backed lender in Canada and the US, registered with FINTRAC & FinCEN. The platform guarantees the utmost security for crypto collateral through institutional-grade infrastructure and insured custody via BitGo, offering fixed interest rates and flexible loan terms. APX Lending effectively bridges traditional finance with the burgeoning digital asset economy, delivering a trusted, efficient, and technologically sophisticated solution for leveraging cryptocurrency holdings.

Industry

Fintech and Blockchain

Location

Canada, US

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Business Context

In a financial landscape rapidly embracing digital assets, a significant market need emerged for accessible, secure, and compliant liquidity solutions for cryptocurrency holders. Traditional lending often presented barriers, while financial institutions sought trusted pathways to integrate crypto-backed services. APX Lending was conceived to directly address this critical gap, aiming to establish itself as the premier platform for crypto-backed loans. The core business context involved developing a cutting-edge FinTech solution that not only offered unprecedented speed and flexibility for individuals and businesses to leverage their digital assets without liquidation but also provided a robust, white-label framework for financial institutions. A paramount objective was ensuring uncompromising regulatory adherence (FINTRAC, FinCEN, CSA) and institutional-grade security for collateral, thereby building trust and redefining borrowing within the digital economy.

Key challenges:

  • Navigating and implementing the complex and evolving regulatory frameworks (FINTRAC, FinCEN, CSA) to ensure a fully compliant crypto-backed lending platform across Canada and the US.
  • Designing and integrating an institutional-grade security infrastructure, including insured custody solutions for volatile cryptocurrency collateral, to ensure robust asset protection.
  • Building a highly scalable and efficient loan origination and disbursement engine capable of processing loans rapidly (within 24 hours) while accommodating diverse terms and white-label requirements.
Business Context Visual

Project Tech Stack

For APX Lending, selecting the right technology stack was crucial to ensure a secure, compliant, and high-performance FinTech platform for crypto-backed loans. Our lead specialists prioritized solutions that supported robust blockchain integrations, institutional-grade security for collateral, rapid transaction processing, and strict adherence to financial regulations, enabling a seamless and trustworthy lending experience.

Back End:
Node JSRemix Js(Full Stack)PrismaORMFireblockPostgresOnfidoTwillio
Front End:
Remix Js(Full Stack)Tailwind Css
Infrastructure:
AWS EC2 cloud