Bybit Earn vs Figure

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

VS
Figure4.1/5
Feature
Ratings
Our score3.4/54.1/5
User ratingNo reviews yetNo reviews yet
Rates4.04.0
Security2.04.5
Transparency3.54.5
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
Founded20182018
HeadquartersUnited Arab Emirates—
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Proof of reserves is available for the exchange
  • Access to tokenized institutional bond funds from PIMCO and CMBI
  • Flexible savings with unstaking available at any time
  • On-chain vault access directly integrated with the Mantle network
  • 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
  • Suffered a $1.4 billion theft of 400,000 ETH on February 21, 2025
  • Custodial structure exposes customer assets to exchange counterparty risk
  • Structured products like Dual Asset have market-dependent outcomes
  • 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 forBybit exchange users holding idle balances, Traders using structured dual-asset products, Investors seeking tokenized bond yieldsHolders borrowing against BTC, ETH, or SOL, US homeowners needing fast HELOC funding, Real estate investors using rental income

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.