Figure Markets Yield Calculator
Calculate your potential earnings from Figure Markets' yield products. YLDS offers a secure 3.85% APY on stablecoins, while RWA pools offer up to 8.5% APY from tokenized real-world assets. Note: RWA yields carry higher risk.
Most crypto exchanges make you choose: either you get high yields and real-world asset access, or you get regulatory safety. Figure Markets is one of the few that actually gives you both. Launched in 2024 by Mike Cagney-former CEO of SoFi-it’s not just another trading platform. It’s a regulated, blockchain-native system built on Provenance Blockchain that lets you trade, earn yield, and borrow against crypto-all without handing over control of your keys. And unlike most platforms that promise high returns but collapse under pressure, Figure Markets is already profitable. In the first half of 2025 alone, it made $191 million in revenue and $29 million in profit. That’s rare in crypto.
How Figure Markets Works: Self-Custody Without the Chaos
Figure Markets doesn’t use traditional cold wallets or third-party custodians. Instead, it uses multi-party computation (MPC) wallets. This means your private keys are split across multiple secure nodes. No single entity holds them. You control access through your device and biometrics, but the platform handles the security layer. It’s not fully decentralized like Uniswap, but it’s not fully custodial like Coinbase either. It’s a hybrid: regulatory-compliant, yet truly self-custodied.
This setup lets Figure Markets offer things no other U.S.-registered exchange can: SEC-approved yield products. The standout is YLDS, the first federally registered stablecoin that pays interest. As of July 2025, YLDS pays 3.85% APY, with interest paid weekly directly into your wallet. Compare that to USDC, which typically pays 0% or less than 1% on most platforms. If you hold $50,000 in YLDS, you earn about $1,925 a year-just for holding it.
Trading: Zero Fees, Limited Selection
Figure Markets doesn’t charge trading fees on any pair. That’s a big deal. Coinbase charges between 0.05% and 0.60% depending on your volume. Binance charges 0.1% for spot trades. Figure Markets? Nothing. Zero. Every trade, every swap, every conversion-no fee.
But here’s the trade-off: the asset selection is narrow. You won’t find 300 altcoins here. The platform focuses on major coins-BTC, ETH, USDC, USDT-and a small number of tokenized real-world assets (RWAs). Right now, those include tokenized home equity loans and auto loans. By August 2025, they added auto loans to their existing home equity offerings. It’s a smart move. These aren’t speculative tokens. They’re backed by actual loans with payment histories, credit checks, and collateral.
For traders who want to swing trade Shiba Inu or gamble on new memecoins, Figure Markets isn’t for you. But if you’re looking to move between BTC, ETH, and stablecoins without paying fees-and earn yield on top of it-this is one of the cleanest platforms available.
Yield Products: 8.5% APY? Here’s the Catch
Figure Markets advertises yield products offering up to 8.5% APY. These come from tokenized real-world assets. For example, you can invest in a pool backed by home equity loans. The platform doesn’t lend directly-it partners with lenders who originate the loans, then tokenizes them on-chain. Investors earn a share of the interest payments.
It sounds great. But there’s risk. Blockchain analyst David Gerard pointed out in September 2025 that these loans are tied to U.S. housing markets. If interest rates rise sharply or home prices drop, defaults could spike. Right now, 87% of the yield pool is backed by home equity loans. That’s a lot of concentration risk. The platform discloses this, but many users overlook it.
Still, the yields are real. Users on Reddit report earning $1,242 in six months on a $32,000 deposit. That’s consistent. No platform-wide collapse. No frozen withdrawals. The loans are being paid. The interest is flowing. That’s more than you can say for Celsius or BlockFi in 2022.
Crypto-Backed Loans: Borrow Without Selling
One of the most powerful features is crypto-backed loans. You can borrow up to 75% of your BTC or ETH value at a fixed rate. No credit check. No income verification. Just lock your crypto, get USD in your bank, and keep holding your position.
One user on Reddit borrowed $50,000 against 1 BTC during the July 2025 price dip. He used the cash to buy more BTC at a lower price, then held both. His position grew without ever selling. That’s leverage without the liquidation risk of margin trading.
Loan-to-value ratios are either 50% or 75%. If your collateral drops below the threshold, you get a margin call. But unlike centralized lenders that auto-sell, Figure Markets gives you 72 hours to add more collateral or repay. It’s designed to be fair, not predatory.
Funding and Withdrawals: Fast for Americans, Limited for Others
U.S. users have it easy. Link your bank account, and you can deposit up to $25,000 via ACH with instant availability. Withdrawals are equally fast. International users? Not so much. Right now, they can only deposit USDC via Ethereum. No SEPA, no SWIFT, no direct bank wires. That’s a major limitation for Europeans, Australians, or Asians.
But Figure Markets says SEPA and SWIFT support is coming in Q1 2026. That’s a solid roadmap. Until then, non-U.S. users need to buy USDC on another exchange, send it to their Figure Markets Ethereum deposit address, and wait for confirmation. It’s doable, but not seamless.
Security and Compliance: The Real Advantage
Figure Markets is registered as a money services business with FinCEN and complies with all U.S. KYC/AML rules. It’s also the only crypto platform with an SEC-registered yield product. That’s huge. Most DeFi apps ignore regulation. Figure Markets leans into it.
CertiK, a top blockchain security firm, audited their MPC wallet system in August 2025 and called it “enterprise-grade security while maintaining user control.” That’s a rare endorsement. The platform has never been hacked. No exploits. No leaked keys. No frozen funds.
Compare that to Binance, which faced regulatory crackdowns globally, or Kraken, which paid $30 million to settle SEC charges. Figure Markets isn’t perfect-but it’s playing by the rules, and that’s why institutional investors are starting to use it. In Q2 2025, $1 billion in loans came through Figure Connect, its partner network for banks and lenders.
User Experience: Smooth, But Slow to Onboard
The app is clean. The web interface is intuitive. Video tutorials explain MPC wallets and yield pools in under five minutes. Users rate the documentation 4.2/5 on Capterra.
But the onboarding? It’s slow. KYC verification takes an average of 3.2 business days, according to Trustpilot reviews. Coinbase does it in 1.5 days. That’s frustrating if you’re trying to move fast during a market move.
Customer support response time is 18.5 hours on average-almost double the industry standard of 9.2 hours. Some users report waiting over 48 hours for simple questions. It’s a known issue. The company admits it in its transparency reports. They’re hiring more staff, but scaling support is hard when you’re dealing with regulated financial products.
Who Is This For? Who Should Skip It?
Use Figure Markets if:
- You’re a U.S. resident and want to earn yield on stablecoins without risking your principal
- You hold BTC or ETH and want to borrow against it without selling
- You care about regulation and want to avoid shady DeFi protocols
- You’re tired of paying trading fees on every swap
- You believe in tokenized real-world assets as the future of finance
Avoid Figure Markets if:
- You trade altcoins or memecoins regularly
- You’re outside the U.S. and don’t want to use USDC transfers
- You need 24/7 live chat support
- You want to trade futures, options, or leverage beyond 3x
The Bottom Line: A Profitable, Regulated Alternative
Figure Markets isn’t trying to be the biggest crypto exchange. It’s trying to be the most responsible one. It’s profitable. It’s compliant. It’s building real financial infrastructure, not just speculation.
Yes, the asset list is small. Yes, support is slow. Yes, international access is limited. But if you’re serious about crypto as a long-term asset class-and not just a gambling tool-this is one of the few platforms that actually aligns with that goal.
The future of finance isn’t just decentralized. It’s regulated, transparent, and backed by real value. Figure Markets is betting on that future. And right now, it’s winning.
Is Figure Markets safe to use?
Yes, Figure Markets is one of the safest regulated crypto platforms available. It uses enterprise-grade multi-party computation (MPC) wallets to ensure you control your assets, and it’s registered with FinCEN and complies with U.S. KYC/AML rules. It has never been hacked, and its security was audited by CertiK in August 2025, which confirmed its architecture provides strong protection without sacrificing user control.
Does Figure Markets charge trading fees?
No, Figure Markets charges zero trading fees on all cryptocurrency pairs. This includes BTC, ETH, USDC, and tokenized real-world assets. Unlike Coinbase or Binance, which charge between 0.05% and 0.60%, Figure Markets lets you trade, swap, and convert without any cost.
Can I earn interest on my crypto with Figure Markets?
Yes. You can earn interest in two ways: through the YLDS stablecoin, which pays 3.85% APY and is SEC-registered, or through real-world asset (RWA) yield pools that offer up to 8.5% APY. These yields come from tokenized home equity loans and auto loans. Interest is paid weekly and deposited directly into your wallet.
Can I borrow against my Bitcoin on Figure Markets?
Yes. You can take out a crypto-backed loan for up to 75% of your BTC or ETH value at a fixed interest rate. There are no credit checks, no income verification, and no hard credit pulls. You keep full control of your crypto while accessing cash. If your collateral drops too low, you get a 72-hour window to add more or repay-no automatic liquidation.
Is Figure Markets available outside the U.S.?
Currently, Figure Markets is primarily designed for U.S. residents. International users can deposit USDC via Ethereum addresses but cannot use bank transfers like ACH. SEPA and SWIFT support are planned for Q1 2026. Until then, non-U.S. users have limited deposit options and no direct bank integration.
What assets does Figure Markets support?
Figure Markets supports major cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), USDC, and USDT. It also offers tokenized real-world assets, including home equity loans and auto loans. As of August 2025, it does not support altcoins, memecoins, or derivatives trading. The focus is on liquidity, compliance, and yield-not speculative trading.
How long does KYC take on Figure Markets?
KYC verification typically takes 2.3 to 3.2 business days, according to user reports on Trustpilot. This is slower than competitors like Coinbase, which averages 1.5 days. Delays often occur during high-volume periods. The platform is working to reduce this time, but the strict compliance requirements mean verification can’t be fully automated.
Is the 8.5% APY yield sustainable?
The 8.5% APY comes from tokenized real-world assets like home equity loans. These loans are backed by actual property and have repayment histories. While the yields are real and have been consistent since launch, experts warn of concentration risk-87% of the yield pool is tied to home equity loans. If U.S. housing prices fall sharply or interest rates spike, defaults could rise. The platform discloses this risk, but users should treat these yields as higher-risk than stablecoin interest.
This platform is literally giving free money to people who don't know how to read the fine print. 8.5% APY? Yeah right. They're just repackaging subprime home loans and calling it crypto. Wake up people.
i just started using figure markets last month and honestly it's been a breath of fresh air. no fees, steady yields, and i actually feel safe knowing my keys aren't sitting in some central server. took a while to get verified but worth it.
The MPC architecture represents a paradigm shift in non-custodial infrastructure-by distributing key shards across geographically isolated nodes with threshold signatures, it achieves a cryptographic equilibrium between regulatory compliance and sovereign user control. This isn't just innovation-it's institutional-grade trust minimization.
people act like this is some revolutionary thing but honestly it's just a fancy broker with a blockchain sticker on it. you still need to trust them with your identity, your bank info, and your wallet access. it's not decentralization it's just rebranded finance with better UI
Good for US users. But for the rest of us? Just send USDC. It works. Patience.
I don't know why everyone's so hyped. The app is fine, sure, but the customer service is a nightmare. I asked a simple question about my yield payout and waited three days. Three days. And they still didn't answer properly. Like come on. If you're gonna charge me nothing for trades, at least hire some support staff.
i been using ylds for 4 months now and its been solid. got like 1200 bucks in interest so far. dont know why people are scared of the rwa yields. the loans are real, people are paying back. its not magic, its just boring finance with blockchains. also typo in my last comment sry
as someone from india, i appreciate that they're planning sepa and swift. it's not perfect yet but at least they're trying. i send usdc from binance and it works fine. slower than local banks but way better than trying to use some unregulated defi protocol.
the fact that they're audited by certik and registered with the sec is huge. most platforms pretend to be safe but this one actually has the paperwork to prove it. i used to use coinbase but now i keep 80% of my stablecoins here. no regrets.
zero fees is the real win here. i swap btc to eth to usdc every week and it adds up. on binance i was paying like 20 bucks a month in fees. here? nada. also the loan feature saved me when btc dropped last month. i borrowed 50k against my btc and bought more. now i own more than before and didn't sell a single coin
I just want to say, I really appreciate how transparent they are about the risks. I know some people think the 8.5% yield is too good to be true, but they clearly state that 87% is tied to home equity loans. That’s not hidden. That’s disclosure. And if you’re going to invest in anything, especially in finance, you need to understand what you’re putting your money into. I’m not saying it’s risk-free-but I’m saying they’re not lying to you.
the onboarding is slow but honestly that's kind of the point right? if you're doing regulated finance you can't just click through like a meme coin app. i waited 3 days for my id to be verified and honestly? i'm glad they took their time. better safe than sorry. also the interface is clean. no flashing ads or 'buy now' popups. peace
you think this is safe? please. the sec doesn't protect you from systemic risk. what happens when housing crashes? what happens when the tokenized loan pool gets wiped out? you think they'll just refund you? nah. they'll say 'market conditions' and disappear like every other 'stable' platform. this isn't finance. it's a Ponzi with a compliance checklist.
figure markets is a front for the fed. think about it. they're the only platform with a registered stablecoin. why? because they're testing a digital dollar infrastructure. your ylds balance? it's not yours. it's a prototype for cbdc. they're harvesting your data, your transaction history, your crypto holdings. this isn't innovation. it's surveillance with a 3.85% yield.
i'm a long time crypto user and i've seen it all. this is the first time i've actually felt like a platform was built for real people not just speculators. the fact they're adding auto loans next? that's smart. real assets. real cashflow. real use case. not just another token with a whitepaper and a discord full of bots
usa only? yeah right. they're just protecting their own. why should i trust a us-based company when my country has better crypto laws? also the whole 'regulation' thing is just a way to kill innovation. you want freedom? go to binance. you want bureaucracy? stay here and cry about your 3 day verification
as someone from india i know how hard it is to find a reliable platform. figure markets isnt perfect but its honest. they dont pretend to be something theyre not. slow support? yes. but they admit it. limited assets? yes. but they focus on quality. i think thats rare. i use it for my savings not my gambling. and that makes all the difference
they're working with banks. banks that crashed in 2008. banks that froze accounts in 2023. this is just the same old system with a blockchain filter. you think you're in control? you're not. you're just a data point in their regulatory compliance dashboard. wake up. this isn't crypto. it's fintech in disguise.
everyone's acting like this is the future. let me break it down: 1. you need us citizenship to use it fully 2. you can't trade anything fun 3. the yield is tied to housing which is overvalued 4. support takes forever 5. they're profitable because they're charging for loans not trades. this isn't innovation. it's a gated community for rich americans who hate risk