Figure builds warehouse credit facilities to institutionalize crypto-backed lending in capital markets

Figure's Yields stablecoin product received regulatory approval during the presidential administration of Joe Biden

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As of November 2026, Figure has experienced zero capital losses on crypto-backed loans due to the rapid liquidation capabilities of Bitcoin and Ethereum collateral

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Figure settles loans using stablecoins in its capital marketplace to reduce settlement time and costs

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Figure developed an artificial intelligence loan officer assistant in partnership with Sierra using Figure's proprietary data

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Figure uses Decagon's artificial intelligence software to handle customer service operations

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Figure deploys blockchain tokenization as backend capital markets infrastructure rather than as a consumer-facing marketing feature

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Figure's capital markets securitizations have achieved AAA credit ratings from S&P and Moody's

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Figure established a medium-term EBITDA margin target of approximately 60 percent

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Figure earns upfront marketplace fees upon the sale of originated loans as well as recurring loan-servicing fees

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Figure uses automated valuation models rather than physical property appraisers to evaluate real estate collateral

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Figure generated approximately $200 million in quarterly revenue, representing an annualized revenue run rate of approximately $800 million

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Figure uses automated underwriting models assessing bank account cash flows rather than human underwriters

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Figure uses the Cursor code editor and the Grok artificial intelligence model for internal software development

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Figure reached a Rule of 150 metric by simultaneously growing revenue and EBITDA

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As of November 2026, Figure has originated $30 billion in cumulative loan volume

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Figure operates a marketplace platform whose partners collectively originate the highest volume of home equity lines of credit in the United States

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Figure holds financial licenses across all 50 United States jurisdictions, including money transmission licenses, crypto licenses, and a registered broker-dealer

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Lowe's Home Improvement distributes Figure's home equity line of credit product across retail home improvement stores in the United States

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Figure builds warehouse credit facilities to institutionalize crypto-backed lending in capital markets

Figure provides collateralized loans backed by Bitcoin and Ethereum

Figure's Yields stablecoin product received regulatory approval during the presidential administration of Joe Biden

As of November 2026, Figure has experienced zero capital losses on crypto-backed loans due to the rapid liquidation capabilities of Bitcoin and Ethereum collateral

Figure settles loans using stablecoins in its capital marketplace to reduce settlement time and costs

Figure developed an artificial intelligence loan officer assistant in partnership with Sierra using Figure's proprietary data

Figure uses Decagon's artificial intelligence software to handle customer service operations

Figure deploys blockchain tokenization as backend capital markets infrastructure rather than as a consumer-facing marketing feature

Figure's capital markets securitizations have achieved AAA credit ratings from S&P and Moody's

Figure established a medium-term EBITDA margin target of approximately 60 percent

Figure earns upfront marketplace fees upon the sale of originated loans as well as recurring loan-servicing fees

Figure uses automated valuation models rather than physical property appraisers to evaluate real estate collateral

Figure generated approximately $200 million in quarterly revenue, representing an annualized revenue run rate of approximately $800 million

Figure uses automated underwriting models assessing bank account cash flows rather than human underwriters

Figure uses the Cursor code editor and the Grok artificial intelligence model for internal software development

Figure reached a Rule of 150 metric by simultaneously growing revenue and EBITDA

As of November 2026, Figure has originated $30 billion in cumulative loan volume

Figure operates a marketplace platform whose partners collectively originate the highest volume of home equity lines of credit in the United States

Figure holds financial licenses across all 50 United States jurisdictions, including money transmission licenses, crypto licenses, and a registered broker-dealer

Lowe's Home Improvement distributes Figure's home equity line of credit product across retail home improvement stores in the United States

Figure's average loan processing time is nine days, which includes a government-mandated three-day waiting period