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Figure Markets
Figure Markets Snapshot
Regulated crypto-backed loans and decentralized lending marketplace.
Pros
- First SEC-approved interest-bearing stablecoin (YLDS)
- Regulated and transparent
Cons
- Product is more complicated (i.e. a direct marketplace)
Earn Rates
Check Yield data below to understand the source of these returns.
Stablecoins are not FDIC insured and earning yield requires lending, deploying or other activities, which involves risk.
Loan Rates
- APR Interest Rate
- 8.91%
- LTV Loan-to-Value
- 50-75%
- Assets Collateral
- BTC, ETH, SOL
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Rate Alerts
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Figure Markets Calculator
Estimates are based on Figure Markets current APY. Rates are subject to change.
How Figure Markets Generates Yield
Yield Mechanics
- Lending
- Internal Lending Business Interest paid by borrowers who provide assets as collateral to take out a loan.
- Real World Assets
-
RWA
Yield generated by off-chain assets like U.S. Treasury bills, corporate debt, or real estate.
Risk & Custody
- Custody Model
- Custodial / Third Party
- Track Record
- Operational since 2018
Flexibility & Access
- Lockups
- Flexible
- Access
- Worldwide
Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.
Figure Markets Review
Figure Markets is a U.S.-based crypto platform focused on earning yield through real-world assets (RWAs) rather than traditional DeFi strategies. The platform combines self-custody wallets with institutional-grade lending, giving users access to yield generated from assets like home equity loans (HELOC).
How Figure Markets Works
Figure Markets allows users to deposit crypto and earn yield derived from tokenized real-world credit markets. Instead of relying on trading activity or liquidity pools, returns are generated from actual loan demand, primarily in areas like home equity lending.
The platform is built on the Provenance blockchain.
Figure Markets Products
Democratized Prime
Figure Markets’ core yield product, giving users access to institutional-grade lending markets.
- Earn yield from real-world assets (like home equity loans)
- ~8%+ APY (variable)
- Yield comes from actual borrower demand, not crypto trading or token incentives
- Functions like a private credit fund, but accessible to retail
Best for: passive yield with a more sustainable, real-world backing
Crypto-Backed Loans
Borrow against your crypto without selling it.
- Use BTC or ETH as collateral
- Typical rates around 9–10% APR
- ~50% loan-to-value (LTV)
- No need to trigger taxable events by selling
Best for: accessing liquidity while holding long-term positions
Figure Markets Features
- Self-custody wallets (MPC-based)
- Crypto-backed loans (BTC, ETH)
- Competitive borrowing rates (~9–10% APR, ~50% LTV)
- Low fees (~0.1% trading, no deposit fees)
- Direct exposure to tokenized RWAs
Figure Markets is a next-generation, regulated yield platform, shifting away from DeFi-driven returns toward real-world, income-generating assets.
Figure Markets offers a range of yield and borrowing products that bridge crypto and real-world assets.
It’s a strong fit for users looking for more sustainable yield and exposure to tokenized credit. Crypto-backed loans offer access to liquidity at relatively high APRs, while yield offerings like Democratized Prime and YLDS let you earn more traditional income on idle capital or stablecoin holdings.
YLDS: A Yield‑Bearing Stablecoin
Figure Markets is the first company to receive SEC approval for an interest-bearing stablecoin, YLDS.
Figure Markets FAQ
Is Figure Markets available in the USA?
Yes, Figure Markets is available in the USA.
Does Figure Markets pay compound yield?
Yes, Figure Markets pays compound yield.
How often do you receive payouts?
Monthly
Does Figure Markets pay interest on Bitcoin?
No, Figure Markets does not currently pay interest on Bitcoin.
Does Figure Markets pay interest on Ethereum?
Yes, Figure Markets pays 1% APY on Ethereum.
Does Figure Markets pay rewards on stablecoins?
Yes, Figure Markets pays 7.9% APY on stablecoins like USDC and USDT.
Does Figure Markets pay interest on Solana?
Yes, Figure Markets pays 3.63% APY on Solana (SOL).
Does Figure Markets offer a sign-up bonus?
Yes, $50 bonus when you deposit $500 within 30 days
Does Figure Markets offer crypto loans?
Yes, Figure Markets offers crypto loans starting at 8.91% APR with up to 50-75% LTV.
When was Figure Markets founded?
Figure Markets was founded in 2018.
Where is Figure Markets headquartered?
Figure Markets is headquartered in San Francisco, CA.
Where is Figure Markets available?
Worldwide
