# Figure Markets: Earn & Borrow — Trade crypto & earn interest

> Decentralized finance platform for earning, borrowing, and trading crypto with real-world asset backing. (iPhone/iPad app by Figure Technologies Inc..)

- Source: https://appshunter.io/ios/app/figure-markets-earn-and-borrow/id6477495740 (this page in markdown: same URL + `.md`)
- Developer: [Figure Technologies Inc.](https://appshunter.io/developer/1362712071)
- Category: Finance
- Price: Free
- Rating: 4.50/5 from 243 App Store ratings · 25 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 155 MB
- Languages: American English
- Released: 2024-06-12
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/figure-markets-earn-and-borrow/id6477495740/reviews.md

## What is Figure Markets?

Figure Markets is the only platform that allows you to seamlessly borrow, earn, and trade top cryptocurrencies alongside real-world assets (RWAs)—all on-chain and completely under your own self-custody. With just one wallet and one powerful app, you maintain total control over your financial future.

EARN 8.5% YIELD ON YOUR CASH
Put your money to work and generate passive income. Tap into decentralized lending pools backed by real-world assets (RWAs) and earn up to 8.5% yield. You earn this by lending against assets like fully collateralized Home Equity Lines of Credit (HELOCs) originated directly by Figure, crypto-backed loans, and auto loans. Unlike volatile digital asset yields, these returns are backed by real cash flows. 

FIXED-RATE CRYPTO LOANS
Need instant liquidity but don’t want to sell your digital assets? Borrow cash against your Bitcoin (BTC), Ethereum (ETH), or Solana (SOL) without triggering a taxable event. We offer the lowest fixed borrowing rates in the industry at 50% and 75% Loan-to-Value (LTV). Because we utilize Multi-Party Computation (MPC) for self-custody, your assets never leave your wallet. They remain fully visible on-chain at all times. Use the cash you borrow to handle real-world expenses, or use it to buy more crypto inside Figure Markets and amplify your stack. Loans offered by Figure Lending LLC dba Figure | NMLS ID 1717824 | 650 S. Tryon Street, 8th Floor, Charlotte, NC 28202.

YLDS: A YIELD-BEARING, REGULATED STABLECOIN
Experience the power of YLDS, backed by US Treasury assets, freely transferable stablecoin earns interest while you hold it. Currently paying 3.29% APY (rate subject to change), YLDS ensures your "dry powder" is always parked and productive. Buy YLDS with zero fees, earn daily interest, and seamlessly deploy it when you are ready to trade.

TRADE CRYPTO WITH INSTITUTIONAL SPREADS
Trade top cryptocurrencies with confidence. Figure Markets offers institution-grade spreads, deep on-chain liquidity, and low trading fees across all major trading pairs. Most importantly, our decentralized MPC wallet architecture means you can execute trades lightning-fast without ever giving up control of your private keys.

FULLY KYC'D EXCHANGE
Security and compliance are built into our DNA. Figure Markets requires Know Your Customer (KYC) verification for all users, creating a safe, transparent, and regulated environment for everyone on the platform. Say goodbye to anonymous bad actors and trade with peace of mind.

KEY FEATURES AT A GLANCE:
• Earn up to an 8.5% target yield on real-world asset pools.
• Access low, fixed-rate cash loans using your BTC, ETH, or SOL as collateral.
• Keep complete ownership of your crypto with our secure, self-custodial MPC wallet.
• Buy, sell, and trade major cryptocurrencies with low fees and tight spreads.
• Hold YLDS stablecoin to earn daily, US Treasury-backed yield.
• One unified dashboard to track your loans, yields, and trading portfolio.

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

Note: Rates are subject to change based on market conditions. Additional information available at https://www.figuremarkets.com/disclosures. Please review all terms and conditions inside the app. YLDS prospectus available at https://cdn.figure.com/docs/markets/fcc-prospectus.pdf.

## Key features

- 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

## Recent user reviews (10 of 25)

All indexed reviews: https://appshunter.io/ios/app/figure-markets-earn-and-borrow/id6477495740/reviews.md

### 5/5 — Earn and Borrow

*2026-08-08*

A perfect way to make your money work for you

### 4/5 — Some tweaks

*2026-06-26*

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.

### 1/5 — Verification process is broken

*2026-06-01*

Waste of time

**Developer response:** 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.

### 5/5 — Easy

*2026-05-02*

The easy to use, very fair way to earn interest on savings

### 5/5 — It’s not too good to be true!

*2026-04-10*

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!

### 5/5 — Excellent Facilitation

*2026-04-09*

Smooth transfer both in and out excellent support attentive and rapid responses on the nail. Recommended highly.

### 1/5 — Not Worth The Risk

*2026-04-08*

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.

**Developer response:** 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.

### 1/5 — Review

*2026-04-04*

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

**Developer response:** 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.

### 5/5 — BTC on Figure

*2026-03-14*

Best trade spreads and fees.  I’m closing my expensive Kraken and Coinbase which cost me 13% and 9% on buy/sell spreads every time I trade.  Figure keeps speak tight and fee low. Hands down the best platform!

### 2/5 — Not ready for prime time

*2026-03-13*

The app has many bugs and rough edges around staking and trading. I lost some tokens during the staking process without a clear understanding why. I would be careful using to prevent losing money. The app does have potential if the issues are fixed.

**Developer response:** We're sorry to hear about any issue you've experienced. We couldn't find your information to help further due to the anonymous post. There are gas fees associated with staking, which Figure Markets does not control. We'd love to help & hear about more specific improvements if you could contact us at support@figuremarkets.com

## Frequently asked questions about Figure Markets

### 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.

## Version history (last 5 releases)

### 1.9.18 — 2026-08-26

Bug fixes and minor improvements

### 1.9.17 — 2026-05-18

Bug fixes

### 1.9.16 — 2026-05-11

Bug fixes

### 1.9.15 — 2026-05-06

Demo prime updates
Group proposal updates

### 1.9.14 — 2026-04-26

Update securities agreements

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## More apps by Figure Technologies Inc.

- [Figure Equity Solutions](https://appshunter.io/ios/app/figure-equity-solutions/id1516712339)
- [Figure Pay](https://appshunter.io/ios/app/figure-pay/id1529369990)
- [Provenance Blockchain Wallet](https://appshunter.io/ios/app/provenance-blockchain-wallet/id1606428494)
- [Provenance Blockchain Wallet](https://appshunter.io/ios/app/provenance-blockchain-wallet/id6444263900)

All apps by Figure Technologies Inc.: https://appshunter.io/developer/1362712071

## Related topics

[figure markets](https://appshunter.io/ios/topics/figure-markets) · [figure markest](https://appshunter.io/ios/topics/figure-markest) · [figures market](https://appshunter.io/ios/topics/figures-market) · [figure lending](https://appshunter.io/ios/topics/figure-lending) · [figure](https://appshunter.io/ios/topics/figure) · [yield curve](https://appshunter.io/ios/topics/yield-curve) · [markets](https://appshunter.io/ios/topics/markets)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*