Democratized Prime
Access real yield backed by real assets on Democratized Prime
Earn up to
What is Democratized Prime?
Democratized Prime is a decentralized lending marketplace that directly connects your crypto with borrowers seeking liquidity against their assets.
Your yield comes from real borrower interest — home equity, auto lending, SMB financing, and crypto-backed loans originated by Figure and its partners and brought on-chain.
Rates move with live supply and demand in each pool, and you earn hourly from the moment you deposit.
Earn the best rate
Deposit your assets and our continuous interest live smart contract engine instantly matches to the live rate. No middlemen, no guesswork.
Yield paid instantly
Interest accrues from the second you deposit and compounds as it's paid. Watch your real earnings tick up in real time, add or withdraw whenever you like, and never wait for a cycle to close — all with full on-chain transparency.
Fully collateralized, on-chain
Every loan on Democratized Prime is 100% backed by crypto or real-world assets securely locked on blockchain, giving you institutional-grade protection with full transparency.
Institutional-grade yield
Democratized Prime offers access to high-quality, cash-flowing borrowers that were previously reserved for institutional investors, offering home equity pools, auto lending, SMB financing and more.
Why earn with Democratized Prime?
| Democratized Prime | Staking Crypto | Traditional Bank Deposit Products | |
|---|---|---|---|
| Rate | Variable, up to -- | Variable, up to 3.63% for top 3 coins (BTC, ETH, or SOL)* Higher rates available for memecoins. | Fixed or Variable up to 4.25%** |
| Market Volatility | Backed by RWAs like Figure HELOCs, Crypto-Backed Loans, auto loans, and SMB loans | Crypto markets can be volatile, depending on the token. | Often come with FDIC-insured or NCUA-insured up to $250,000 per depositor. |
| Security | Robust security, including SOC 2, ISO 27001, and a 5-star customer service team to assist. | DeFi Protocols are prone to hacks and liquidations. Depending on the protocol, you could be on your own if you have an issue. | Bank-grade account and fund protection. Customer service team to assist. |
| Liquidity | Highly liquid with withdrawal within an hour | Subject to lock up periods | Depending on the vehicle. Some require long lockup times in exchange for higher rates, Typically ACH timelines are up to 5 days. |
| Currency | USD or Crypto | Crypto only | USD |
*https://www.coinbase.com/earn
**https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/
Rates available as of October 28, 2025
How lending works
- 1
Go to 'Earn' in the Figure Markets app
- 2
Choose your pool
Pick what you want to lend, and what you're lending against.
- 3
Deposit your assets
Deposit and you're in. Your rate moves with the pool's supply and demand, which adjusts automatically as borrowing demand moves.
- 4
Start earning yield instantly