Category: Crypto Opportunities || Posted Jul 23, 2026

Netcoins Launches Regulated Crypto-Backed Lending Services in Canada

Canadian digital asset platform Netcoins, a subsidiary of publicly traded BIGG Digital Assets Inc. (TSXV: BIGG), has launched in-app, crypto-backed lending services across Canada.

Powered by APX Lending, a regulated digital-asset credit infrastructure provider, the integration allows Canadian crypto investors to unlock cash liquidity against their digital assets directly within the Netcoins interface—without triggering a taxable sale.

How In-App Crypto-Backed Lending Works

Historically, crypto holders seeking fiat liquidity had two choices: liquidate their holdings—potentially triggering capital gains taxes—or navigate third-party platforms with varying regulatory oversights.

Netcoins' new feature allows registered Canadian users to calculate terms, submit applications, and manage loans directly through their existing web dashboard.

Loan Metric	Product Details
Supported Collateral	Bitcoin (BTC) & Ethereum (ETH)
Minimum Loan Size	$10,000 CAD (or USDC equivalent)
Loan-to-Value (LTV)	Up to 60%
Loan Terms	3 to 60 months
Funding Time	Same-day payout upon collateral deposit
Collateral Custody	Segregated BitGo Trust cold storage (no re-hypothecation or re-lending)

The Regulatory & Technical Framework

The partnership leverages APX Lending’s Lending-as-a-Service (LaaS) model. While Netcoins hosts the user experience and customer relationship, APX manages the back-end credit operations, including capital deployment, underwriting, compliance, and real-time collateral monitoring.

1. CSA Regulatory Relief: APX Lending operates under exemptive relief granted by the Canadian Securities Administrators (CSA) for crypto-collateralized loans.
2. AML/KYC Compliance: Registered with FINTRAC in Canada and FinCEN in the U.S.
3. Strict Custody Standards: To protect borrowers from counterparty risk, pledged collateral is stored in segregated cold storage via BitGo Trust and is strictly prohibited from being pooled or re-lent.

What This Means for the Canadian Crypto Ecosystem

Canada's regulatory landscape for digital assets is among the most structured globally. By offering a fully compliant credit facility, Netcoins and APX are setting a benchmark for embedded financial services in Web3:

1. Tax-Efficient Liquidity: Investors can finance major expenses, business operations, or further investments without realizing capital gains on their BTC or ETH.
2. Embedded Credit Blueprint: This integration serves as a blueprint for traditional institutions, brokerages, and fintech platforms looking to offer crypto credit without building in-house lending desks or balance sheets.
3. Institutional-Grade Custody: Enforced anti-rehypothecation rules address key historic industry pain points around lender solvency and asset safety.