Figure Markets vs Krak

Compare rates, fees, access, and key features side by side.

Figure Markets

Quick takeFigure Markets offers two distinct ways to earn: YLDS, an interest-bearing digital security designed to maintain a stable value, and Democra...

Score4.0

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Krak

Krak is a new simple crypto-powered mobile payment app by the popular Kraken crypto exchange. It is designed to be a crypto-friendly alternative to Ve...

Score4.1

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Comparison

General

Platform

Figure Markets

Krak

Founded

Figure Markets2018

Krak2025

Headquarters

Figure MarketsSan Francisco, CA

KrakSan Francisco, CA

Availability

Figure MarketsWorldwide

KrakWorldwide

Fees & Financial

Bonus

Figure Markets$50 bonus when you deposit $500 within 30 days

Krak$10 bonus after $10 deposit with code: CIR

Token

Figure MarketsYLDS

Krak

Compounding

Figure MarketsYes

KrakYes

Payouts

Figure MarketsMonthly

KrakWeekly

Fees

Figure Markets

KrakNone

Lockup

Figure Markets

KrakNone

Maker Fee

Figure Markets

Krak

Taker Fee

Figure Markets

Krak

Cryptocurrency Rates

BTC Rate

Figure Markets

Krak0.1%

BTC Max

Figure Markets

Krak

ETH Rate

Figure Markets1%

Krak1%

ETH Max

Figure Markets

Krak

Stablecoin Rate

Figure Markets3.85%

Krak4.25%

Figure Markets

Review

Pros

Offers two differentiated yield models: an SEC-registered interest-bearing digital security and collateralized lending pools.
Democratized Prime shows pool rates, utilization, collateral, and available liquidity, and does not charge lender fees.

Cons

Exiting a lending pool depends on available liquidity and can require waiting for another lender to enter.
YLDS is an unsecured investment security without FDIC insurance or a bank guarantee; SEC registration is not SEC approval.