Democratized Prime Borrow
Borrow against your crypto
Access cash instantly — without selling your crypto. Flex Rate lets you borrow against your portfolio with real-time rates, full flexibility, and no loan-term restrictions.
Why Flex Rate?
Borrow on your terms, not the bank’s. Through Democratized Prime, Flex Rate loans give you freedom over how you borrow, manage, and repay — with the power to swap collateral and close your loan 24/7.
Access the cash you need while you HODL
Flexible terms
No fixed terms. No long-term lockups. Interest adjusts hourly based on live market demand, so you only pay for what you use.
Cash, not just stablecoins
While others only pay in stablecoins, we deliver real cash straight to your account. Because we know cash is still king.
Instant borrowing
Skip the wait and the paperwork. No credit checks, no middlemen, no unnecessary delays.
Flexible collateral
We don’t limit you to BTC, ETH, or USDC. Any crypto in your Figure Markets portfolio can be used as collateral for your cash loan.
How borrowing works
- 1
Open the Figure Markets App and tap “Borrow”
- 2
Select “Flex Rate Loan”
Choose how much to borrow (up to 80% LTV of your Figure Markets account).
- 3
Deposit your crypto into a secure MPC wallet
Figure can’t access your funds unless a margin call is triggered.
- 4
Receive your cash in minutes