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Crypto.com vs Figure Markets

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

Crypto.com

Crypto.com

Crypto.com offers several earning routes inside a broad trading and payments app, but the product menu requires careful reading. Crypto Earn, onchain ...

Score3.8
Visit SiteReview
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
Crypto.comlogo
Figure Marketslogo
Founded
Crypto.com2016
Figure Markets2018
Headquarters
Crypto.comHong Kong
Figure MarketsSan Francisco, CA
Availability
Crypto.comWorldwide, all US states except NY
Figure MarketsWorldwide

Fees & Financial

Bonus
Crypto.comEarn up to $100 of CRO
Figure Markets$50 bonus when you deposit $500 within 30 days
Token
Crypto.comCRO
Figure MarketsYLDS
Compounding
Crypto.comNo
Figure MarketsYes
Payouts
Crypto.comWeekly
Figure MarketsMonthly
Fees
Crypto.comYes
Figure Markets
Lockup
Crypto.comNone (flexible), 1 month, 3 months
Figure Markets
Maker Fee
Crypto.com
Figure Markets
Taker Fee
Crypto.com
Figure Markets

Cryptocurrency Rates

BTC Rate
Crypto.com0.2%
Figure Markets
BTC Max
Crypto.com
Figure Markets
ETH Rate
Crypto.com0.2%
Figure Markets1%
ETH Max
Crypto.com
Figure Markets
Stablecoin Rate
Crypto.com0.5%
Figure Markets3.85%

Crypto.com

Review

Pros

  • Flexible, one-month, and three-month Crypto Earn terms are available for multiple assets.
  • Earn Plus provides a separate stablecoin option without the ordinary tiered-reward quota.
  • Rewards generally accrue daily and are distributed weekly.

Cons

  • The best rates may require a higher Level Up tier and a 365-day CRO stake or lockup.
  • Rates vary by asset, term, deposit tier, account level, and jurisdiction, making headline rates difficult to compare.
  • Fixed-term funds are unavailable until maturity, and promotional Flash Rewards are not offered to U.S. residents.

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.