Past performance, whether actual or indicated by historical tests of strategies, is no guarantee of future performance or success. There is a possibility that you may sustain a loss equal to or greater than your entire investment regardless of which asset class you trade (public or private equities, fixed income, closed-end funds or cryptocurrencies); therefore, you should not invest or risk money that you cannot afford to lose. Trading in public and private stocks, fixed-income products, closed-end funds or cryptocurrencies, and the use of online trading, is not suitable for all investors.
Digital currency is not legal tender, is not backed by the government, and digital currency held in wallets are not subject to FDIC or SIPC protections.
Prior to account opening, customers must read the relevant risk disclosure statements on our Disclosures page. System access and trade placement and execution may be delayed or fail due to market volatility and volume, quote delays, system and software errors, Internet traffic, outages and other factors.
Democratized Prime yields are a product of Borrower Supply and Lender Demand within the decentralized lending smart contract and are subject to change. More information can be found by reviewing the Democratized Prime Smart Contract Addendum.
By participating in the Democratized Prime program on Figure Markets, you acknowledge and agree to be bound by the applicable legal agreements and terms, depending on your role as a borrower or lender. More information can be found within the Democratized Prime Terms of Service and HELOC+ Addendum.
All users are subject to the Democratized Prime Terms of Service, which govern general use of the platform.
Participants are further bound by the terms outlined in the Loan Agreement Disclosures, which describe key risks, responsibilities, and disclosures related to crypto-backed borrowing.
Lenders agree to the terms of the Democratized Prime Master HELOC Loan Agreement, which governs their participation in lending through the platform.
Please review all applicable documents carefully before transacting. By proceeding, you confirm that you understand and accept the rights, obligations, and risks set forth in the above agreements.
YLDS Stablecoins are unsecured face-amount certificates and solely backed by the assets of Figure Certificate Company (FCC), who is the issuer of the certificates. As a subsidiary of Figure Markets Holdings, Inc., FCC is (absent exclusion or exemption) required to comply with certain limits on its activity, including investment and/or trading limitations on its portfolio and other limitations under applicable banking and securities laws. FCC is not a bank, and the securities it offers are not deposits or obligations of, or backed or guaranteed or endorsed by, any bank or financial institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board or any other agency. The Certificates are not an insurance company product, an equity investment, or an investment in a money market mutual fund. FCC's qualified assets on deposit may exceed the deposit amounts required by applicable regulations. If there are losses on FCC's assets, FCC may not have sufficient resources to meet its obligations, including making interest and/or principal payments on your certificates. Most of FCC's assets are debt securities and are subject to risks including credit risk, interest rate risk and prepayment and extension risk. You could lose money by investing in the Stablecoin. Although the Stablecoins seeks to preserve the value of your investment at $0.01 per share, it cannot guarantee it will do so. You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. Download a free prospectus, which contains this and other important information about our certificates Figure Certificate Company Prospectus available here. More information about YLDS and FCC can be found here.
Interest rate applicable to all Certificates is the overnight Secured Overnight Financing Rate (“SOFR”) less 50 basis points, with a minimum rate of 0.00%. SOFR stands for the Secured Overnight Financing Rate (SOFR), which is a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities. For more information, please visit the Federal Reserve Bank of New York's Website by clicking here.
For Risks associated with cryptocurrencies, please review our disclosure here.
Figure Securities is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Figure Securities' SIPC coverage is available only for securities and for cash held in connection with the purchase or sale of securities, in equities and equities options accounts. An explanatory brochure is available upon request or at www.sipc.org.
Securities trading is offered to customers by Figure Securities, Inc. using its Alternative Trading System (ATS). Figure Securities, Inc. is registered with the Securities and Exchange Commission (SEC) and is a member of the Financial Industry Regulatory Authority (FINRA). Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the broker-dealer.
Figure Payments Corporation offers to self-directed investors and traders cryptocurrency brokerage services under the brand name, “Figure Markets.”. It is neither licensed with the SEC or the CFTC nor is it a Member of NFA. Figure Payments Corporation's NMLS ID number is 2033432, and is located at 100 West Liberty Street, Suite 600, Reno, NV., 89501. You can verify Figure Payments licensing status at the NMLS Consumer Access website. Click here for Figure Payment's state license and regulatory disclosures.
Figure.com | Licenses | ©2026 Figure Lending LLC dba Figure | 5200 77 Center Drive, Suite 400, Charlotte, NC 28217 | (888) 819-6388. NMLS # 1717824 | For licensing information, go to www.nmlsconsumeraccess.org

Crypto loans are offered to U.S. borrowers by Figure Lending LLC. This product is not available to U.S. residents of DC, ID, IL, KY, MD, MS, SD, TX, VT, or VA.
Crypto loans are offered through Figure Markets Credit LLC to international customers except in the following jurisdictions: Crimea (Ukraine), Donetsk (Ukraine), Luhansk (Ukraine), Afghanistan, Albania, Belarus, Central African Republic ,Congo (the Democratic Republic), Cuba, Ethiopia, Haiti, Iran (Islamic Republic of), Iraq, Lebanon, Libya, Mali, Myanmar (Burma), Nicaragua, Nigeria, North Korea (Democratic People's Republic of), Pakistan, Palestine (State of), Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, or Zimbabwe.
Figure Securities, Inc., Figure Certificate Company, Figure Investment Advisors LLC, Figure Payments Corporation, Figure Markets Credit LLC, Figure Markets Ireland Limited, and Figure Markets, Inc. are each wholly owned subsidiaries of Figure Technology Solutions, Inc. Products and services of all of these entities are offered under the Figure Markets brand. NOTE FOR INVESTORS: When applying for, accounts, subscriptions, products and services, it is important that you know which company you will be dealing with. Please click here for further important information explaining what this means.
1. Provenance.io blockchain transactions and see “Top Tokenized Assets Coins by Market Cap” at Coingecko. Data shown reflects cumulative value of minted transactions by subsidiaries of Figure Technology Solutions, Inc. on the Provenance Blockchain. Data as of August 11, 2026.