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Coinbase vs Figure Markets

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

Coinbase

Coinbase

Coinbase combines a mainstream U.S. exchange with several distinct ways to earn: proof-of-stake rewards, a Coinbase-funded USDC rewards program, and U...

Score4.2
Popular
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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
Coinbaselogo
Figure Marketslogo
Founded
Coinbase2012
Figure Markets2018
Headquarters
CoinbaseWilmington, DE
Figure MarketsSan Francisco, CA
Availability
Coinbase100+ countries
Figure MarketsWorldwide

Fees & Financial

Bonus
Coinbase
Figure Markets$50 bonus when you deposit $500 within 30 days
Token
Coinbase
Figure MarketsYLDS
Compounding
CoinbaseNo
Figure MarketsYes
Payouts
CoinbaseVaries
Figure MarketsMonthly
Fees
CoinbaseYes
Figure Markets
Lockup
CoinbaseNone
Figure Markets
Maker Fee
Coinbase0.5
Figure Markets
Taker Fee
Coinbase0.5
Figure Markets

Cryptocurrency Rates

BTC Rate
Coinbase
Figure Markets
BTC Max
Coinbase
Figure Markets
ETH Rate
Coinbase1.65%
Figure Markets1%
ETH Max
Coinbase
Figure Markets
Stablecoin Rate
Coinbase3.75%
Figure Markets3.85%

Coinbase

Review

Pros

  • Supports staking for several major proof-of-stake assets with asset-specific payout details.
  • Offers both a Coinbase-funded USDC rewards program and optional onchain USDC lending.
  • Standard unstaking is free, with paid instant unstaking available for some assets and accounts.

Cons

  • Coinbase takes a commission from staking rewards, and the exact percentage varies by asset and membership tier.
  • The best USDC and staking benefits may require a paid Coinbase One plan.
  • Coinbase Lend introduces smart-contract and lending-vault risks that do not apply to ordinary USDC rewards.

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.