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Fido
Fido is a crypto-yield platform offering 10% APY with a simple, banking-like app. Unlike other centralized lenders, Fido uses self-custody and is non-...
Figure Markets
Figure Markets is the first company to receive SEC approval for an interest-bearing stablecoin, YLDS, in the United States. Figure Markets offers a...
VS
General
Platform
Fido
Figure Markets 
Founded
Fido 2025
Figure Markets 2018
Headquarters
Fido
Figure Markets San Francisco, CA
Availability
Fido Worldwide
Figure Markets Worldwide
Fees & Financial
Bonus
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
Figure Markets
Token
Fido
Figure Markets YLDS
Compounding
Fido Yes
Figure Markets Yes
Payouts
Fido Every second
Figure Markets Monthly
Fees
Fido None
Figure Markets
Lockup
Fido None
Figure Markets
Maker Fee
Fido
Figure Markets
Taker Fee
Fido
Figure Markets
Cryptocurrency Rates
BTC Rate
Fido
Figure Markets
BTC Max
Fido
Figure Markets
ETH Rate
Fido
Figure Markets 1%
ETH Max
Fido
Figure Markets
Stablecoin Rate
Fido 10%
Figure Markets 3.63%
Fido
Full Review →Unique Pros
- Deposit or withdraw USDC or USD
- $100k insurance included
- Fixed target rate
Key Cons
- 10% is a target rate, not guaranteed
- US-focused
Figure Markets
Full Review →Unique Pros
- First SEC-approved interest-bearing stablecoin (YLDS)
- Regulated and transparent
Key Cons
- Higher loan APRs
- Limited product range