Figure vs SwissBorg

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

Figure4.1/5
VS
Feature
Ratings
Our score4.1/53.6/5
User ratingNo reviews yetNo reviews yet
Rates4.03.5
Security4.53.5
Transparency4.54.0
Flexibility3.03.5
Support4.03.5
Specs
KYC required Yes Yes
ProductsSavings / earn, Crypto-backed loansSavings / earn
Highest advertised APY9%15%
Max loan-to-value50%Not disclosed
Loan APR from10%Not disclosed
Supported assets3400
Available inUnited StatesEurope (EEA), Canada, Latin America, Asia-Pacific, Africa
Proof of reservesNot disclosed Yes
Licenses & registrationsNot disclosedMiCA
Flexible (withdraw any time)Not disclosed Yes
Fixed terms YesNot disclosed
Company
Founded20182017
Headquarters—Switzerland
InvestorsNot disclosedCommunity Investors
Strengths and weaknesses
Pros
  • 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
  • Authorized under the European Union MiCA regulatory framework by the French AMF
  • Advertises yields reaching up to 15% annually on supported assets
  • Secures balances using institutional MPC technology without exposing private keys
  • Publishes regular Proof of Liabilities reports for balance verification
Cons
  • 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
  • Requires mandatory identity verification with no service for US residents
  • Experienced a $41M SOL Earn exploit in September 2025 via staking partner Kiln
  • Withdrawals carry a 0.10% fee in addition to blockchain network gas
  • Top trading fee discounts require locking native BORG tokens
Best forHolders borrowing against BTC, ETH, or SOL, US homeowners needing fast HELOC funding, Real estate investors using rental incomeEuropean retail crypto investors, Hands-off earn strategy allocators, Long-term dollar-cost averagers

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