USDC 
USDT 
Bitcoin 
Ethereum 
Figure Markets
Figure Markets is a U.S.-based crypto platform focused on earning yield through real-world assets (RWAs) rather than traditional DeFi strategies. The ...
Billz
Billz helps users pay real-world bills without selling their crypto.Users can deposit supported crypto or stablecoins as collateral to:Access liquidit...
VS
General
Platform
Figure Markets 
Billz
Founded
Figure Markets 2018
Billz 2025
Headquarters
Figure Markets San Francisco, CA
Billz Paris, France
Availability
Figure Markets Worldwide
Billz Europe, United States and Canada
Fees & Financial
Bonus
Figure Markets $50 bonus when you deposit $500 within 30 days
Billz
Token
Figure Markets YLDS
Billz BILLZ
Compounding
Figure Markets Yes
Billz Yes
Payouts
Figure Markets Monthly
Billz Varies
Fees
Figure Markets
Billz 2.5% payment execution fee, gas fees
Lockup
Figure Markets
Billz Flexible
Maker Fee
Figure Markets
Billz
Taker Fee
Figure Markets
Billz
Cryptocurrency Rates
BTC Rate
Figure Markets
Billz
BTC Max
Figure Markets
Billz
ETH Rate
Figure Markets 1%
Billz
ETH Max
Figure Markets
Billz
Stablecoin Rate
Figure Markets 3.85%
Billz 3%
Figure Markets
Review →Pros
- First SEC-approved interest-bearing stablecoin (YLDS)
- Regulated and transparent
Cons
- Product is more complicated (i.e. a direct marketplace)
Billz
Review →Pros
Deposit supported crypto or stablecoins as collateral
Pay real-world expenses
Supports USDT, USDT, SOL
