Binance Earn vs Figure

How Binance Earn vs Figure compare on our ratings, earn platform specs, funding, pros and cons.

VS
Figure4.1/5
Feature
Ratings
Our score3.9/54.1/5
User ratingNo reviews yetNo reviews yet
Rates4.04.0
Security3.54.5
Transparency4.04.5
Flexibility4.53.0
Support3.54.0
Specs
KYC required Yes Yes
ProductsSavings / earn, Fixed-term deposits, Staking, Dual investmentSavings / earn, Crypto-backed loans
Highest advertised APYNot disclosed9%
Max loan-to-valueNot disclosed50%
Loan APR fromNot disclosed10%
Supported assetsNot disclosed3
Available inNot disclosedUnited States
Proof of reserves YesNot disclosed
Flexible (withdraw any time) YesNot disclosed
Fixed terms Yes Yes
Company
Founded20172018
HeadquartersUnited Arab Emirates—
InvestorsPublic ICONot disclosed
Strengths and weaknesses
Pros
  • Merkle-tree proof of reserves provides verifiable 1:1 asset backing
  • Flexible products permit withdrawals at any time
  • Collateralized lending offers automated margin top-ups and hourly interest
  • Fixed 8.91% interest rate at 50% LTV for crypto loans
  • Over $30B in total loan origination volume
  • Underwriting for HELOC lines up to $750,000 approved in minutes
  • Yields up to 9% through Democratized Prime lending
Cons
  • Custodial structure exposes user funds to central platform insolvency
  • Completely unavailable to United States residents
  • Full identity verification (KYC) is mandatory for all yield products
  • Fixed-term products restrict asset withdrawals until the lock-up expires
  • Mortgage and HELOC products are unavailable in New York State
  • Digital asset collateral is restricted to BTC, ETH, and SOL
  • Yield products carry counterparty exposure to borrower default and margin positions
  • Mandatory KYC identity checks for all credit products
Best forBinance exchange traders holding idle balances, International crypto depositors seeking flexible yields, Borrowers needing collateralized loansHolders borrowing against BTC, ETH, or SOL, US homeowners needing fast HELOC funding, Real estate investors using rental income

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