USDC
USDT
Bitcoin
Ethereum
Figure Markets vs Nook
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...
Score4.0Our editors score every platform independently. Partnerships never influence the rating.
VS
Nook
Nook is an app designed to make earning on stablecoins simple, safe, and transparent. Built for U.S. users, Nook abstracts the complexity of DeFi by o...
Score4.1Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Figure Markets
Nook
Founded
Figure Markets2018
Nook2025
Headquarters
Figure MarketsSan Francisco, CA
NookAustin, TX
Availability
Figure MarketsWorldwide
NookWorldwide
Fees & Financial
Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
Nook1% boost with promo code: CIR
Token
Figure MarketsYLDS
Nook
Compounding
Figure MarketsYes
NookNo
Payouts
Figure MarketsMonthly
NookEvery 16 seconds
Fees
Figure Markets
Nook
Lockup
Figure Markets
NookNone
Maker Fee
Figure Markets
Nook
Taker Fee
Figure Markets
Nook
Cryptocurrency Rates
BTC Rate
Figure Markets
Nook
BTC Max
Figure Markets
Nook
ETH Rate
Figure Markets1%
Nook
ETH Max
Figure Markets
Nook
Stablecoin Rate
Figure Markets3.85%
Nook
Figure Markets
ReviewPros
- 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.
Nook
ReviewPros
- US-regulated access to DeFi lending
- Simple, clean app interface
Cons
- USDC only
- Rates are variable
