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Figure Markets vs Lulo
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
Lulo
Quick takeLulo is a non-custodial stablecoin yield router that allocates deposits across multiple lending and yield protocols on Solana and Ethereum. ...
Score3.9Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Figure Markets
Lulo
Founded
Figure Markets2018
Lulo2023
Headquarters
Figure MarketsSan Francisco, CA
Lulo
Availability
Figure MarketsWorldwide
LuloWorldwide
Fees & Financial
Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
LuloEarn boosted rewards with referral code: 0ACZRU
Token
Figure MarketsYLDS
Lulo
Compounding
Figure MarketsYes
LuloYes
Payouts
Figure MarketsMonthly
LuloEvery second
Fees
Figure Markets
LuloNone
Lockup
Figure Markets
LuloNone to 24 hours
Maker Fee
Figure Markets
Lulo
Taker Fee
Figure Markets
Lulo
Cryptocurrency Rates
BTC Rate
Figure Markets
Lulo
BTC Max
Figure Markets
Lulo
ETH Rate
Figure Markets1%
Lulo
ETH Max
Figure Markets
Lulo
Stablecoin Rate
Figure Markets3.85%
Lulo11.01%
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.
Lulo
ReviewPros
- Automatically diversifies stablecoin deposits across multiple protocols while keeping positions and coverage data visible onchain.
- Protected deposits add a smart-contract-enforced first-loss layer and do not have a fixed lockup.
Cons
- Lulo deducts a 10% performance fee from generated yield.
- Protected coverage excludes stablecoin depegging, network outages, regulatory action, and failures in Lulo's own contracts; Boost depositors can lose principal.