Figure Markets: Earn & Borrow

Figure Markets

About this app

Welcome to Figure Markets!

Figure Markets is the only place where you can borrow, earn, and trade the top crypto tokens and real-world assets (RWAs) — all on-chain, all under your own self-custody. One wallet, one app, total control.

Earn 8.5 % Interest making commercial loans against Real-World Asset Pools in the Democratized Prime Platform

Tap into decentralized RWA lending pools that pay a target 8.5% interest to lenders by making commercial loans against fully collateralized Home Equity Loans originated by Figure. Auto loans, tokenized stocks, and other asset classes are next, so you can build a diversified, yield-driven portfolio backed by real cash flows.

Fixed-Rate Crypto Loans—Your BTC/ETH Never Leave Your Wallet

Need liquidity? Borrow against your Bitcoin or Eth at the lowest fixed rate in the industry at 50% LTV (9.999% APR) on 12-month fixed-term loans. There is no pre-payment penalty, and you enjoy self-custody via MPC: your assets stay visible on-chain 24/7 without rehypothecation.

- Minimum and maximum period for repayment: 12-month fixed term loans with no pre-payment penalty
- Maximum Annual Percentage Rate (APR): 13.173%
- Representative example of the total cost of the loan, including the principal and all applicable fees (for example, sample monthly payment, sample interest calculation): For a loan of $46,589.46 at an Annual Percentage Rate (APR) of 11%, the total finance charge will be $1,652.84, making the total amount payable $48,242.30. Your repayment schedule would include 11 monthly payments of $395.65, followed by a final payment of $47,451.00 at maturity (approximately 12 months after disbursement). This example includes the principal and all applicable fees.

Home of YLDS — A Yield-Bearing, SEC-Regulated Stablecoin

Hold or earn in YLDS, the only SEC-regulated, freely transferable stablecoin paying 3.85 % APY (as of 6/3/25). Keep your dry powder parked and productive.

Use the cash to buy more BTC inside Figure Markets and amplify your stack.

Enjoy institution-grade spreads, deep on-chain liquidity, and low trading fees across major pairs—without ever giving up control of your keys.

The Only KYC Exchange for HASH

Download Figure Markets today and step into a world where crypto, real assets, and true self-custody finally live together.

Ratings and reviews

I installed the app. Now it keeps telling me there is an update available but the app store has no update. so I am stuck in a loop and can't access the app. So my money is stuck there with no access. support is unresponsive.

after spending 20 minutes setting up an account it will not login. I get the splash screen, when I press continue something I can't read flashes up on the screen and I go back to the splash screen. now all my personal and banking info is on an app I can't use. pixel 10 pro XL on the current update

reward tier was $100 but with 6 days left, tiers disappeared and it's $50

What’s new

Add FGRS banner