# Figure Markets: Earn & Borrow — user reviews > 25 indexed App Store user reviews of Figure Markets by Figure Technologies Inc., rated 4.50/5 from 243 ratings. - Source: https://appshunter.io/ios/app/figure-markets-earn-and-borrow/id6477495740/reviews - App overview in markdown: https://appshunter.io/ios/app/figure-markets-earn-and-borrow/id6477495740.md - Rating breakdown: 5★ 191 · 4★ 27 · 3★ 2 · 2★ 7 · 1★ 16 ## Newest reviews (5 of 25) ### 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. ### 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 ### 2/5 — Not Opening *2026-01-05* It’s not opening , why ? **Developer response:** We're sorry to hear about any issue you've experienced. Please contact us at our email support@figuremarkets.com so we can look into this further for you. ### 2/5 — Account gets locked *2025-08-23* My account got locked and I was told to verify my identity which account have done but they refused to open the account and I have a lot of money in there **Developer response:** Sorry to hear about your concerns. We'd love to connect directly and see if we can help out in any way. Please email us directly at support@figuremarkets.com ### 1/5 — Data breach STAY AWAY *2024-12-18* Worst customer service. Don’t trust them with your money or sensitive personal details. Their security is weak and customer details were stolen. They are selective in who they choose to help and really poor response times. ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 1/5 — Lost hundreds of thousands because of errors and miss direction *2026-02-14* During a rapid decline in Bitcoin and Ethereum prices, I urgently needed to manage multiple loans to avoid liquidation. I called support roughly four times a day for nearly a week, asking about different ways to pay down or pay off my loans. The options I requested weren’t available, and I had to wait for an app fix before I could pay using USDC. I chose USDC specifically because I needed to pay off loans quickly, release the collateral, and use it to cover other loans before liquidation — these were not small positions. I’ve invested over half a million dollars in their products. I was told that paying off a loan via USDC would release collateral instantly, similar to how a standard payment works. That was not the case. It took nearly four days. In a rapidly falling market, four days is critical. I needed that collateral to pay off another loan, and the delay put everything at risk. A crypto lending company that can’t facilitate fast liquidity management puts its customers in serious jeopardy. This was easily the most stressful financial situation I’ve experienced in decades. If I hadn’t called repeatedly and escalated to a manager, I likely would have been liquidated and lost hundreds of thousands of dollars. One star for the reasons above. **Developer response:** Thank you for your feedback. Since your comment was anonymous, we are unable to refer to your application specifically. We recommend you reach out to us directly at support@figuremarkets.com and we can look up your account and provide guidance. ### 1/5 — Scam and a few platforms made by Fake Cchinaaa don’t waste your money *2025-12-04* This is the dirty truth about trusting the China money sick desperate demons I am sure there will be a day we get to fire right back. ### 1/5 — Account lock *2025-11-12* My account got lock for no good reason. I cant buy, or sell. No response when you email or call. This site has become sketchy. **Developer response:** We're sorry to hear about any issue you've experienced. We couldn't find you in our system and we don't have any outstanding or unanswered support inquiries. Please contact us at support@figuremarkets.com so we can look into this further for you. ### 1/5 — No help, ghosted when I tried to contact *2025-10-16* Figure could not get my current mortgage balance correct (off by 30%) then just stopped responding when I tried to help them correct their mistake. A tech based company with no chat help means they aren’t interested if you have any kind of question or problem ### 1/5 — Locked *2025-10-16* Account got locked and won’t be unlocked. Been over 45 days. Reached out various different emails, only received automated responses. Called, no response. Doesn’t feel like they want me to trade on here, definitely would not trade with large amounts of money. App was updated today and now the error states they are having trouble with their bank on their end. Doesn’t make sense, if only they hired somebody for customer service. **Developer response:** We're sorry to hear about any issue you've experienced. We couldn't find any outstanding or unanswered support inquiries related to the problem you've described. Please ensure you're reaching out to us at support@figuremarkets.com so we can look into this further for you. ### 1/5 — They are scammers *2025-09-25* This people are fraud, they locked my account with all my money inside because of a failed deposit and now they are telling me that I own them ### 1/5 — Does NOT feel safe with my money. Feels scammy *2025-05-30* I don’t trust putting my money here. This feels cheaply made and like a scam ## Most praised reviews (10 highest-rated) ### 5/5 — Earn and Borrow *2026-08-08* A perfect way to make your money work for you ### 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. ### 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! ### 5/5 — Convenient access to trading/lending *2026-01-21* I use it to manage my assets on their platform and have used it for their lending product with YLDS to get some higher yield ### 5/5 — 9% APY! *2025-12-30* Friend told me about this hidden gem, and moved some of my savings over here, easy to use and gives you access to the same yields big banks have — tripled my APY and loving it ### 5/5 — Love earning 9% on Demo Prime! *2025-11-04* This app is easy and allows me to earn more yield than my current MM funds or HYSA ### 5/5 — Great app *2025-05-29* Very easy to use and navigate, just wish there were more options for crypto, also maybe adding staking crypto like profiting off certain crypto like polkadot or bitcoin percentage for a month up to 3. ### 5/5 — Markets *2025-02-26, version 1.5.2* The marketplace for everything is a great vision. Can’t wait to trade here. --- *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.*