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Figure Markets: Earn & Borrow

Figure Markets: Earn & Borrow

Trade crypto & earn interest

246 ratings
27 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • June 12, 2024
  • September 14, 2026

Features

Developer

Figure Technologies Inc.
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About

This app allows users to borrow, earn, and trade crypto tokens, including lending against real-world assets like home equity loans. It offers fixed-rate crypto loans with self-custody and features a yield-bearing, SEC-regulated stablecoin.

✓Earn yield from real-world asset pools
✓Fixed-rate crypto loans with self-custody
✓Hold and earn with SEC-regulated stablecoin
✓Trade major crypto pairs with low fees
✓Borrow against Bitcoin and Ethereum
✓Lend against home equity loans
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+1

What's New in Figure Markets

1.10.1

September 14, 2026

- Onboarding edge case fix - Initial Prime lend race condition fix - CBL bug fixes and improvements

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User reviews

Most RecentHighest RatedLowest Rated

A short run

I’ve had the app for about 3 months and for a few days now I haven’t been able to purchase anything as the app has been blocking my purchases through the plaid service. I contacted customer service support they did respond fast and were pleasant but not being able to instantly solve my issues makes me nervous hopefully they can fix it soon.
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LazariaMLazariaM

Unprofessional and Sketchy

My experience was less than stellar. I found the platform to be confusing to use compared to any other crypto exchange I’ve ever used. If you’re not used to “committing and uncommitting” assets to be able to do one thing or another with them, you’ll need to read up on that. Never had any other exchange do that. Tried to fund my account via ACH and my bank flagged it as suspicious. Figure said they were closing my account with no explanation.
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GcookzGcookz

Response from developer

Thank you for your feedback and apologies for any troubles you experienced with our app. Other exchanges use similar verbiage, but with staking, unstaking, bonding, unbonding, and so on. Commit follows what you might see from a traditional banking institution, which is why we use the term. Our team does take security & safety of assets very seriously. We were unable to find you in our system due to the anonymous review, but we still want to assist. Please contact us at support@figuremarkets.com so we can look into this further for you.

Earn and Borrow

A perfect way to make your money work for you
mayGamesmayGames

Some tweaks

Love the functionality of rwa and directly investing in these loans with stable coins. The issues I’ve had are two: first pending transactions are occurring but there’s no real time alert saying transaction of X is done. If real time can’t happen due to data gaps or activation (martech) understood but would be a bonus. Bigger issue is more the portfolio level performance view across my equity and pending and stable coin assets. I think you’re missing a huge opportunity to be a better fidelity with financial advice and customer performance insights as to how best leverage your vehicles.
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SplashmngsgshjsSplashmngsgshjs

Verification process is broken

Waste of time
Writing it againWriting it again

Response from developer

Thank you for your feedback, and we apologize for your experience. Since your comment was anonymous, we are unable to refer to your application specifically. Our application process is automated, and if additional information is needed our team will connect via email. This process normally takes 1-5 business days, as indicated in the mobile app. We recommend you reach out to us directly at support@figuremarkets.com and we can look up your account and provide guidance.

See 22 more reviews

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FAQ

What can I do with Figure Markets?

Figure Markets allows you to borrow, earn, and trade top crypto tokens. You can also lend against real-world assets (RWAs) like home equity loans, and access a yield-bearing, SEC-regulated stablecoin.

How does earning yield work?

You can earn yield by tapping into decentralized RWA lending pools. These pools offer a target of 8.5% by lending your cash against fully collateralized Home Equity Loans originated by Figure. Other asset classes are planned for future integration.

Can I borrow against my crypto without selling it?

Yes, you can borrow against your Bitcoin or ETH without selling them. The app utilizes self-custody via MPC, meaning your assets remain visible on-chain in your own FM wallet. It offers fixed rates at 50% and 75% LTV.

What is YLDS?

YLDS is the only SEC-regulated, freely transferable stablecoin. It offers a 3.85% APY (as of 7/10/25) and allows you to keep your funds productive while maintaining liquidity.

Is this app suitable for beginners?

The app is designed for users interested in decentralized finance and self-custody. While it offers advanced features like RWA lending and crypto borrowing, users should have a basic understanding of cryptocurrency and self-custody principles.