Easy
The easy to use, very fair way to earn interest on savings
It’s not too good to be true!
I'm a director of compliance with 24 years of mortgage experience working at a competitor. I first researched Figure in April of 2025. I'm currently earning between 8% and 8.5% APR by lending Figure money on the democratized prime lending market.
Once you open an account and move your cash over, it's very easy to buy the stablecoin YLDS with zero fees and then make them available to be borrowed by Figure at higher interest rates. I feel confident enough to have a significant portion of my savings invested/lent to Figure markets. You are basically lending them money to fund their home equity line of credit business, which is typically done by a warehouse bank. All that means is that Figure lending typically has access to a giant revolving line of credit with institutions, (like a big credit card) and this is just one of those sources of funding for them. You’re not investing in the long duration of these HELOC for example it’s only funding the loans until they’re sold, which is perhaps around 30 days. That said you actually have the opportunity to get your money back and not lend it to them every hour via their reverse Dutch repo auction.
You get real assets on the blockchain against your loan. There is a third-party bank that holds these assets in trust. I highly recommend you research this with any of the large language models to learn more. If I could, I would share my research with you here!
Once you open an account and move your cash over, it's very easy to buy the stablecoin YLDS with zero fees and then make them available to be borrowed by Figure at higher interest rates. I feel confident enough to have a significant portion of my savings invested/lent to Figure markets. You are basically lending them money to fund their home equity line of credit business, which is typically done by a warehouse bank. All that means is that Figure lending typically has access to a giant revolving line of credit with institutions, (like a big credit card) and this is just one of those sources of funding for them. You’re not investing in the long duration of these HELOC for example it’s only funding the loans until they’re sold, which is perhaps around 30 days. That said you actually have the opportunity to get your money back and not lend it to them every hour via their reverse Dutch repo auction.
You get real assets on the blockchain against your loan. There is a third-party bank that holds these assets in trust. I highly recommend you research this with any of the large language models to learn more. If I could, I would share my research with you here!
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Excellent Facilitation
Smooth transfer both in and out excellent support attentive and rapid responses on the nail. Recommended highly.
Not Worth The Risk
If I could, I’d would give them 0 stars.
This app asks for trust but does not earn it. My experience was unresolved issues, no real response from support, and a lack of transparency around critical security and account questions. That might be annoying in a social app. In a finance app, it is a deal breaker. I would not trust this platform with money.
This app asks for trust but does not earn it. My experience was unresolved issues, no real response from support, and a lack of transparency around critical security and account questions. That might be annoying in a social app. In a finance app, it is a deal breaker. I would not trust this platform with money.
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Response from developer
We're sorry to hear about any concern with the app & issues you encountered. We couldn't find your information to help further due to the anonymous post. We'd love to help if you could contact us at support@figuremarkets.com so we can look into this further for you.
Review
Idk what’s wrong with this app it’s taking forever to withdraw PayPal takes 2 minutes this is taking 2 weeks please help bro
Response from developer
We're sorry to hear about any delays you encountered. There are processing times for deposits and withdrawals. We couldn't find your information to help further due to the anonymous post. We'd love to help if you could contact us at support@figuremarkets.com so we can look into this further for you.
