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."