📖 5 min read ✍️ 21 Rates Editorial Team 📅 Updated December 2024
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Figure Markets

Est. 2018
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About Figure Markets

Digital asset lending platform from Figure Technologies. Offers home equity lines of credit and crypto-backed loans powered by blockchain technology. Known for fast approval and funding with institutional-grade security.

Loan Terms & Rates

Interest Rate
8.91% +
Min Loan
$5,000
Loan Term
3-36 months
Max LTV
75%

Loan Details

Origination Fee 1.5%
Maximum Loan Negotiable
Rehypothecation No
Repayment Terms Interest Only, Principal + Interest
Custodian Anchorage
KYC Required Yes

Risk Analysis

Overall Risk Score: 7.1/10

Risk Score: 7.1/10. Strengths: no rehypothecation, strong regulatory compliance.

Custodial Risk:

Low risk: Uses Anchorage custody solution with strong security practices

Counterparty Risk:

Low risk: No rehypothecation of collateral

Loan Structure:

Aggressive: Max LTV of 75% is high

Auditability:

Good: Some transparency measures in place

Regulatory:

Strong: Regulated entity with proper licenses

Insurance:

Custodian insured: Client assets protected through custodian's insurance policy

Transparency:

Excellent: Clear terms, fees, and policies publicly available

Loan Calculator Example

Example: $50,000 loan at 8.91% APR over 24 months

Monthly Payment
$2,282.17
Total Interest
$4,772.15

Customer Reviews

★★☆☆☆ 1/17/2026

Cumple pero no. ArcadiaB presenta una propuesta interesante y con potencial, especialmente para usuarios que buscan diversificar herramientas dentro del ecosistema cripto. La plataforma es funcional y, en general, cumple con lo que promete a nivel básico. El registro y uso inicial no son complicados, lo cual es un punto a favor. No obstante, la experiencia se queda a medio camino. La información disponible es limitada, algunos procesos no están del todo bien explicados y eso puede generar dudas, sobre todo para quienes valoran la transparencia y el control del riesgo. Además, el soporte no destaca por rapidez ni claridad, lo que resta confianza cuando surgen problemas o preguntas.

★★★☆☆ 1/17/2026

Decent but could improve I’ve used ArcadiaB for crypto exchange. It works fine and transactions go through, but sometimes the interface feels a bit slow and prices aren’t always the most competitive. A decent option, but there’s room for improvement.

Compare Figure Markets with Other Lenders

Compare Figure Markets with other Bitcoin lenders on 21Rates:

Frequently Asked Questions About Figure Markets

What interest rates does Figure Markets offer for Bitcoin loans?
Figure Markets offers Bitcoin-backed loans starting at 8.91% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
What is the minimum loan amount at Figure Markets?
The minimum loan amount at Figure Markets is $5,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Is Figure Markets safe and legitimate?
Figure Markets has a risk score of 7.1/10 based on our analysis of custody practices, regulatory compliance, and operational history. Risk Score: 7.1/10. Strengths: no rehypothecation, strong regulatory compliance.
What LTV ratio does Figure Markets offer?
Figure Markets offers a maximum loan-to-value (LTV) ratio of 75%. This means you can borrow up to 75% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
How long are the loan terms at Figure Markets?
Figure Markets offers loan terms ranging from 3 to 36 months. Shorter terms typically have lower total interest costs, while longer terms offer lower monthly payments.

About This Review

21
21 Rates Editorial Team
Bitcoin Financial Research Analysts

Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.

Last verified and updated: December 2024

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