Figure Markets and GXD Labs Respond to Ionic Digital’s Recent FAQs (Read Here)

Cash out,

HODL on

Borrow cash against your Bitcoin or Ethereum. Get same-day approval* and flexible payment options, no credit score needed. Available to U.S. and international customers.

Apply now

* Terms and conditions may apply. Please review disclosures located below for more information.

Loan minimum

$5000, no minimum for international borrowers

Interest rate

Starting at 12.5%

(12.5% to 16.73% APR), interest deferred payments available

Max initial LTV

75%

Max LTV

90%

Term

12 months, no prepayment fees

Eligible collateral

BTC or ETH

Disbursement

USD or USDC

no credit check

No credit score needed

payment deferral

Payment deferral

payout

No rehypothecation

custody

Your crypto in safe custody

Crypto: yours to HODL.

Cash: yours to spend.

Whether you need a financial boost, want to consolidate high-interest debt, or bridge the gap between investments, our crypto lending platform gives you access to instant cash.

large purchases

Large purchases

Fund large purchases like a car, mining equipment, or a vacation

upgrade your home

Upgrade your home

Get the funds you need to complete home projects or renovations

consolidate debt

Consolidate debt

Pay off high-interest or credit card debt with a lower-interest loan

invest

Invest

Free up cash to re-invest or trade your existing crypto assets

How much could I borrow with my crypto collateral?

Access a loan of up to 90% of the value of your BTC or ETH collateral with a Figure Markets crypto-backed loan.


Crypto loans are dependent on the collateral value of your crypto. Use the interactive chart to adjust the amount of BTC you could provide to secure your loan.

--

Apply now
  • * State minimums may apply to “Amount to Borrow amount”

  • ** The price for BTC is $0.00 USD per Figure Markets Exchange

Adjust your collateral amount to explore how much you could potentially borrow

Initial Loan-to-Value (LTV)

Percentage of your collateral value that you can borrow.

0.1 BTC

Crypto collateral amount

$1

Amount you can borrow*

Access funds

Keep your crypto

Access funds quickly, all while keeping your crypto holdings intact. No credit score needed.

Crypto-backed loan

Personal loan

Opportunity to grow your crypto portfolio

comparison iconcomparison icon

Lower interest rates

comparison iconcomparison icon

Lower origination fees

comparison iconcomparison icon

Flexible terms

comparison iconcomparison icon

No prepayment fees

comparison iconcomparison icon

Focused on helping you HODL

comparison iconcomparison icon

No impact on your credit score

comparison iconcomparison icon

Borrow against your crypto in

3 simple steps
  • 1

    Create your account

    Complete registration to easily return to your application.

  • 2

    Send collateral

    Choose your desired terms and securely deposit required collateral.

  • 3

    Get funded

    Receive cash instantly, directly in your bank account.

Why Figure Markets?

Trusted lender

Figure Lending has originated $7B+ in funded loans, including crypto-backed loans, and has never lost coin assets or paused crypto withdrawals.

No credit score needed

Your eligibility for a crypto-backed loan is based solely on your crypto collateral, not your traditional credit score.

Competitive rates and flexible payment terms

Enjoy a competitive rate and choose to make monthly interest-only payments or defer interest payments until maturity.

Interest deferral may be subject to 1% deferral fee, depending on jurisdiction.

Control over collateral

Our custody-only product allows you to retain beneficial ownership of your collateral, which is held at a qualified custodian and will not be rehypothecated.

Frequently asked

Questions