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Arch Lending vs Figure Markets

Compare rates, fees, access, and key features side by side.

Arch Lending

Arch Lending

Arch Lending is a crypto-backed lending platform founded in 2022 and headquartered in New York, NY. It allows users to borrow USD or USDC using digita...

Score3.9
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VS
Figure Markets

Figure Markets

Figure Markets offers two distinct ways to earn: YLDS, an interest-bearing digital security designed to maintain a stable value, and Democratized Prim...

Score4.0
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General

Platform
Arch Lendinglogo
Figure Marketslogo
Founded
Arch Lending2022
Figure Markets2018
Headquarters
Arch LendingNew York, NY
Figure MarketsSan Francisco, CA
Availability
Arch LendingUS
Figure MarketsWorldwide

Fees & Financial

Bonus
Arch Lending
Figure Markets$50 bonus when you deposit $500 within 30 days
Token
Arch Lending
Figure MarketsYLDS
Compounding
Arch LendingNo
Figure MarketsYes
Payouts
Arch Lending
Figure MarketsMonthly
Fees
Arch Lending
Figure Markets
Lockup
Arch Lending
Figure Markets
Maker Fee
Arch Lending
Figure Markets
Taker Fee
Arch Lending
Figure Markets

Cryptocurrency Rates

BTC Rate
Arch Lending
Figure Markets
BTC Max
Arch Lending
Figure Markets
ETH Rate
Arch Lending
Figure Markets1%
ETH Max
Arch Lending
Figure Markets
Stablecoin Rate
Arch Lending
Figure Markets3.85%

Arch Lending

Review

Pros

  • Multi-asset collateral accepted (BTC, ETH, SOL)
  • No credit checks required

Cons

  • Loans only, no earn product

Figure Markets

Review

Pros

  • Offers two differentiated yield models: an SEC-registered interest-bearing digital security and collateralized lending pools.
  • Democratized Prime shows pool rates, utilization, collateral, and available liquidity, and does not charge lender fees.

Cons

  • Exiting a lending pool depends on available liquidity and can require waiting for another lender to enter.
  • YLDS is an unsecured investment security without FDIC insurance or a bank guarantee; SEC registration is not SEC approval.