Keep your BTC, ETH, & SOL. Unlock cash fast

3 easy steps to secure a Crypto-Backed Loan:

  1. 1

    Download the Figure Markets App and complete your registration

  2. 2

    Deposit your Bitcoin or Ethereum into Figure Markets’ decentralized MPC wallet

  3. 3

    Get funded and receive cash into your Figure Markets account

18+ Billion in Equity unlocked with Figure's platform
Trustpilot rating: 4.8 out of 5 stars  Opens in a new window.

Crypto-Backed Loans:

Get cash while you keep your Bitcoin, Ethereum, and Solana

Figure Lending has originated $7B+ in funded loans, including crypto loans.

*Terms and conditions may apply. Please review disclosures located below for more information.

Crypto: yours to HODL.

Cash: yours to use

Whether you need to consolidate debt, fund a large purchase, or just bridge short-term finances, our crypto backed loan platform—covering Bitcoin, Ethereum, and Solana loans—lets you borrow against your holdings instantly.

  • Large purchases

    Use your Bitcoin, Ethereum, or Solana backed loan to purchase a car, mining equipment, or even plan a dream vacation—no need to sell your BTC, ETH, or SOL.

  • Upgrade your home

    Get the funds you need to complete home projects or renovations.

  • Consolidate debt

    Pay off high-interest or credit card debt with a lower-interest loan.

  • Invest

    Free up cash to re-invest into more BTC, ETH, or SOL with zero trading fees on Figure Markets.

Why Figure?


Trusted lender

Figure Lending has originated $7B+ in funded loans, including crypto-backed loans, and uses decentralized custody and an MPC wallet so you can use truth over trust.


No credit score needed

Your eligibility for a crypto-backed loan is based on your crypto collateral, not your traditional credit score. We will conduct a soft-credit pull to determine if you are in good standing with other lenders.


Competitive rates and flexible payment terms

Enjoy a competitive rate and choose to make monthly interest-only payments or defer interest payments until maturity.

Interest deferral may be subject to 1% deferral fee, depending on jurisdiction.2: Navigates to numbered disclaimer


No rehypothecation

New loans are placed into a decentralized custody wallet. You can check in on your Bitcoin with the address we provide you so you can see it sitting there, knowing it’s safe from rehypothecation and segregated from other customers.

See how Figure stacks up. Compare crypto-backed loans at a glance

Access funds quickly, all while keeping your crypto holdings intact. No credit score needed.

Figure Crypto-Backed LoanLedn*Arch**
Supported AssetsBTC, ETH, & SOLBTCBTC, ETH, Solana
Interest Rates8.91% (9.999% APR)2: Navigates to numbered disclaimer @ 50%10.9% @ 50%12.5% @ 50%
Origination Fee1%2% admin fee1.5%
CustodianDecentralized, MPC custodyBitGoAnchorage
Term Length1 year1 yearUp to 2 years
Restricted US States (Retail)DC, ID, IL, KY, MD, MS, SD, TX, VT, and VACA, CT, HI, LA, NV, ND, SD, TN, VT, WA, DCCA, TX, IL, OH, VA, WA, TN, +13 others
Founded201820182022
  • * ledn.io/
  • ** archlending.com/

Crypto-backed loans

First time experience and I think this a great platform ! Anybody that has crypto , this platform will give you a loan using your crypto as collateral ! You don’t have to sell your crypto just get a crypto - backed loan and pay the loan back with the profit you made from your crypto .

Written by customerCarlos M., 5.0 stars

3750 Excellent Reviews on  trust pilot

Trustpilot reviews  Opens in a new window.
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Frequently asked questions