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Figure Markets vs River
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
River
River is a Bitcoin-focused savings platform. You can buy and hold BTC, alongside USD. It only serves customers in the US.Earn Bitcoin on USDUniquely, ...
Score4.2Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Figure Markets
River
Founded
Figure Markets2018
River2019
Headquarters
Figure MarketsSan Francisco, CA
RiverUSA
Availability
Figure MarketsWorldwide
RiverUS only, excluding NY and NV
Fees & Financial
Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
RiverEarn up to $100 in BTC
Token
Figure MarketsYLDS
River
Compounding
Figure MarketsYes
RiverNo
Payouts
Figure MarketsMonthly
RiverMonthly
Fees
Figure Markets
RiverNone
Lockup
Figure Markets
River
Maker Fee
Figure Markets
River
Taker Fee
Figure Markets
River
Cryptocurrency Rates
BTC Rate
Figure Markets
River
BTC Max
Figure Markets
River
ETH Rate
Figure Markets1%
River
ETH Max
Figure Markets
River
Stablecoin Rate
Figure Markets3.85%
River
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.
River
ReviewPros
- USD interest paid in BTC
- FDIC-insured USD deposits
Cons
- US only
- Bitcoin-only
