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Figure Markets vs Gemini

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

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
Visit SiteReview
VS
Gemini

Gemini

Gemini Staking is a custodial staking service built into the Gemini exchange. It currently supports Ethereum, Solana, and Monad, with no stated minimu...

Score4.4
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General

Platform
Figure Marketslogo
Geminilogo
Founded
Figure Markets2018
Gemini2014
Headquarters
Figure MarketsSan Francisco, CA
GeminiNew York, NY
Availability
Figure MarketsWorldwide
GeminiSelected countries; not available in the UK, EEA or Australia.

Fees & Financial

Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
Gemini$50 in BTC when you trade $100
Token
Figure MarketsYLDS
GeminiGUSD
Compounding
Figure MarketsYes
GeminiNo
Payouts
Figure MarketsMonthly
Gemini
Fees
Figure Markets
GeminiYes
Lockup
Figure Markets
GeminiNone
Maker Fee
Figure Markets
Gemini0.6
Taker Fee
Figure Markets
Gemini1.2

Cryptocurrency Rates

BTC Rate
Figure Markets
Gemini
BTC Max
Figure Markets
Gemini
ETH Rate
Figure Markets1%
Gemini3%
ETH Max
Figure Markets
Gemini
Stablecoin Rate
Figure Markets3.85%
Gemini

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.

Gemini

Review

Pros

  • No stated minimum balance for supported staking assets.
  • No separate transfer or redemption fee for staking.
  • ETH, SOL, and MON staking are managed from the existing Gemini account.

Cons

  • Gemini can retain up to 35% of protocol rewards as its staking service fee.
  • Only three assets are currently supported.
  • Rewards are distributed monthly, and assets may be unavailable during network unstaking.