Your BTC Is Sitting There Doing Nothing

Every time you sell crypto to cover a bill, fund a project, or grab an opportunity, two things happen: you owe taxes on the gains, and you lose your position. If that coin rips 40% next month, you're watching from the sidelines.

There's a reason institutions never sell assets when they need cash. They borrow against them. 

Now you can do the same.

Figure's Crypto-Backed Loan lets you borrow against your BTC, ETH, or SOL at a fixed 8.91% rate (9.999% APR) — no credit check, same-day approval, and zero prepayment penalties.

Here's what makes it different:

• Your keys, your collateral. Decentralized MPC custody means your crypto sits in a segregated, on-chain verifiable wallet — never rehypothecated, never pooled.

• 50% LTV, 12-month term. Predictable structure with no hidden fees.

• Figure offers Liquidation Protection as an add-on.

  • How it works: For an upfront, non-refundable 2% fee, Figure agrees not to perform margin calls or liquidations based on price movement during the term of the loan.

  • The Benefit: Instead of an instant wipeout, you defer interest, margin calls, and liquidations to the end of the loan term.

Figure is the #1 non-bank HELOC lender in the U.S., they're not some DeFi experiment. This is institutional-grade lending with on-chain transparency.

Exclusive for Unchained readers

Right now, Figure is offering $50 when you deposit $500 and maintain it for 30 days. And if you put those funds into Democratized Prime, you'll also earn up to ~8.5% yield. Free money and passive income on the same deposit.

Stop selling. Start borrowing.

Figure Lending LLC dba Figure. Equal Opportunity Lender. NMLS 1717824. Full Disclosures, T&C's apply.