Liquidium

APX Lending provides secure crypto-backed loans that allow clients to borrow against their Bitcoin or Ethereum without selling their assets. Clients can access CAD or USDC loans with competitive interest rates, loan-to-value ratios up to 60 percent, and flexible terms from 3 to 60 months. Collateral is held with BitGo in insured, segregated cold-storage wallets and remains fully visible to borrowers on-chain. APX operates with CSA exemptive relief in Canada and maintains FINTRAC and FinCEN registrations. The platform uses real-time LTV monitoring, supports personal and business loans, and offers a simple cost structure with no origination or management fees. Most loans are funded within 24 hours of collateral being received.

Debifi is a non‑custodial, Bitcoin‑backed lending platform that lets borrowers tap into institutional‑grade liquidity without relinquishing control of their coins. Built by Bitcoiners, it uses a strict three‑of‑four multisignature escrow system, keys are generated on a separate device, never held by Debifi, and distributed among borrower, lender, and trusted third‑party signers, to ensure maximum transparency and eliminate collateral rehypothecation. Users connect through a lightweight app to create dedicated escrow addresses on Bitcoin’s blockchain, initiate loan contracts, and manage repayments directly with lenders. Debifi aggregates global liquidity providers to offer flexible loan terms from short‑term funding to five‑year stablecoin or fiat loans, with customizable loan‑to‑value ratios and competitive, risk‑adjusted interest rates. Institutional lenders benefit from over‑collateralization, a tiered margin‑call system, and automatic liquidations.