# APX Lending Launches 90/85 Standard for Bitcoin Loan Liquidations

**Published:** 2026-08-19T17:59:29.521Z  
**Topic:** Crypto Lending  
**Sentiment:** neutral  
**Publisher:** TrendWatcher — https://www.trendwatcher.in/article/57644c04-bd3b-4e6b-aaa9-1f903e67b2b2

APX Lending introduced its 90/85 Standard for Bitcoin-backed loans, eliminating liquidation fees and selling only enough collateral to reset LTV to 85% from a

APX Lending, a Toronto-based digital-asset credit infrastructure company, announced its new 90/85 Standard for Bitcoin-backed loans, designed to reduce collateral loss during market volatility by implementing partial liquidations and eliminating liquidation fees [3]. This new model aims to preserve borrower collateral by selling only the necessary amount to return a loan to an 85% loan-to-value (LTV) ratio, rather than fully liquidating the position or returning it to its original LTV [3].

| At a glance | |
|---|---|
| New Standard | 90/85 LTV |
| Liquidation Fee | 0% [3] |
| Liquidation Trigger | 90% LTV [3] |
| Liquidation Reset | 85% LTV [3] |

## New Liquidation Protocol
Under APX Lending's new 90/85 Standard, borrowers receive notifications when their LTV reaches 80%, with alerts every six hours [3]. A partial liquidation is triggered if the LTV rises to 90% [3]. Instead of a full liquidation, APX sells only enough collateral to bring the loan's LTV back down to 85% [3]. The company has also eliminated all liquidation fees [3]. This contrasts with many crypto-backed lending models where reaching a liquidation threshold can result in most or all collateral being sold, often with additional fees [3]. For example, a borrower with $100,000 in collateral and a $90,000 loan could retain nearly 13 times more collateral under the 90/85 Standard compared to a full liquidation with a 5% fee [3].

APX Lending, founded in 2023 by the team behind Canada's Coinberry exchange, emphasizes safety, security, compliance, and transparency in centralized finance (CeFi) lending [1, 3]. The platform is registered with FINTRAC in Canada and FinCEN in the USA [1]. Collateral is held in segregated cold-storage wallets with BitGo, a U.S.-based regulated custodian, with up to $250 million in coverage, and is visible on-chain to borrowers [1, 2, 4]. APX states that borrower collateral is never re-invested or re-lent [1, 4]. The company offers direct-to-consumer Bitcoin-backed lending and a B2B Software-as-a-Service (SaaS) for banks [1].

## Loan Terms and Eligibility
APX Lending provides loans against Bitcoin (BTC) and Ethereum (ETH) collateral, with initial LTVs ranging from 20% to 60% [2, 4]. Minimum loan sizes are C$10,000 (or USDC 10,000) in Canada and USDC 25,000 in the United States, with no fixed maximum [2]. Interest rates in Canada start from 12.99% APR, with loan terms from 3 to 60 months [4]. The platform does not conduct credit checks, instead approving loans based on crypto collateral and LTV [2]. Loans are currently available to residents of the U.S. and Canada, with 90% of approved applicants funded within 24 hours [2]. APX Lending has partnered with Netcoins, a Canadian crypto exchange, to offer these services to its users [4].

## What to watch
*   **Market Volatility Impact:** Monitor how the 90/85 Standard performs in extended periods of crypto market downturns, particularly regarding the frequency of partial liquidations and borrower retention of collateral.
*   **Adoption by Other Lenders:** Observe if other CeFi lending platforms adopt similar partial liquidation models or zero-fee policies in response to APX Lending's new standard.
*   **Geographic Expansion:** Watch for any announcements regarding APX Lending's expansion beyond the U.S. and Canada, which could broaden the impact of its lending model [2].

The introduction of the 90/85 Standard represents an attempt to differentiate APX Lending's approach to risk management in crypto-backed loans, focusing on borrower collateral preservation during price declines.

## Sources
1. Newswire — [APX Lending Launches: The Gold Standard for Bitcoin-Backed...](https://www.newswire.ca/news-releases/apx-lending-launches-the-gold-standard-for-bitcoin-backed-lending-878906524.html)
2. Apxlending — [Bitcoin-Backed Loans | Borrow from 9.99% with No... | APX Lending](https://apxlending.com/)
3. AOL — [APX Lending Introduces the 90/85 Standard: Zero-Fee Partial Liquidations](https://www.aol.com/articles/apx-lending-introduces-90-85-144200000.html)
4. Netcoins — [Borrow against your BTC or ETH with APX Lending through Netcoins.](https://netcoins.com/blog/crypto-lending-unlocked-with-netcoins-apx-lending)

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Cite as: TrendWatcher, "APX Lending Launches 90/85 Standard for Bitcoin Loan Liquidations", https://www.trendwatcher.in/article/57644c04-bd3b-4e6b-aaa9-1f903e67b2b2