Figure Markets: Earn & Borrow

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.