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Figure Markets vs Zengo
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
Zengo
Quick takeZengo is a self-custodial crypto wallet with built-in Ethereum staking. Instead of using a seed phrase, the wallet uses multi-party computat...
Score4.1Our editors score every platform independently. Partnerships never influence the rating.
General
Platform
Figure Markets
Zengo
Founded
Figure Markets2018
Zengo2018
Headquarters
Figure MarketsSan Francisco, CA
ZengoIsrael
Availability
Figure MarketsWorldwide
ZengoWorldwide
Fees & Financial
Bonus
Figure Markets$50 bonus when you deposit $500 within 30 days
Zengo
Token
Figure MarketsYLDS
Zengo
Compounding
Figure MarketsYes
ZengoNo
Payouts
Figure MarketsMonthly
ZengoDaily
Fees
Figure Markets
Zengo
Lockup
Figure Markets
Zengo
Maker Fee
Figure Markets
Zengo
Taker Fee
Figure Markets
Zengo
Cryptocurrency Rates
BTC Rate
Figure Markets
Zengo
BTC Max
Figure Markets
Zengo
ETH Rate
Figure Markets1%
Zengo
ETH Max
Figure Markets
Zengo4%
Stablecoin Rate
Figure Markets3.85%
Zengo
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.
Zengo
ReviewPros
- ETH can be staked from a self-custodial wallet without transferring it to a centralized exchange account.
- Rewards accrue daily and auto-compound after activation, with no fixed staking term.
Cons
- Ethereum staking requires at least 0.1 ETH, takes about 12 days to begin earning, and takes about 10 days to unstake and claim.
- The earn selection is limited, and users depend on Everstake for the validator service.
