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Figure Markets vs Liquid
Compare rates, fees, access, and key features side by side.
Figure Markets
Quick takeFigure Markets offers two distinct ways to earn: YLDS, an interest-bearing digital security designed to maintain a stable value, and Democra...
Score4.0Our editors score every platform independently. Partnerships never influence the rating.
VS
Liquid
Liquid is a non-custodial trading and yield platform launched in 2025. While best known for its high-leverage trading, it also offers a Vault product ...
Score4.2Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Figure Markets
Liquid
Founded
Figure Markets2018
Liquid2025
Headquarters
Figure MarketsSan Francisco, CA
LiquidDelaware, US
Availability
Figure MarketsWorldwide
LiquidWorldwide excluding US and Ontario
Fees & Financial
Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
Liquid10% discount on fees with referral code: CIR
Token
Figure MarketsYLDS
Liquid
Compounding
Figure MarketsYes
LiquidNo
Payouts
Figure MarketsMonthly
Liquid
Fees
Figure Markets
Liquid
Lockup
Figure Markets
Liquid4 day minimum
Maker Fee
Figure Markets
Liquid0.07
Taker Fee
Figure Markets
Liquid0.045
Cryptocurrency Rates
BTC Rate
Figure Markets
Liquid
BTC Max
Figure Markets
Liquid
ETH Rate
Figure Markets1%
Liquid
ETH Max
Figure Markets
Liquid
Stablecoin Rate
Figure Markets3.85%
Liquid
Figure Markets
ReviewPros
- 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.
Liquid
ReviewPros
- Non-custodial with automated vault strategies
- Targets 10%+ APY on USDC
Cons
- Yield targets not guaranteed
