CBL - Initiating a Domestic Loan Payment - Mobile

This content is for informational purposes only and does not constitute financial advice.

References:

How To Access Loan Documents

To facilitate a payment toward your loan using the Figure Markets mobile app, please follow the structured steps outlined below:

1. Access Your Loan Details Open the Figure Markets mobile application and navigate to your loan through either of the following methods:

• Select the specific loan directly from your Homepage dashboard.

• Navigate to the "Borrow" tab and select the active loan you wish to manage.

2. Initiate the Payment Workflow

• Select "Manage Payments" at the bottom of the screen.

• On the following screen, select "Make a Payment."

3. Select Your Payment Method

• To Pay via USD (via ACH):

  • Select "Pay from Plaid" to link your bank account instantly via the secure Plaid integration.

  • Once connected, input the desired payment amount (referencing the "Outstanding Balance" listed directly below the input field).

  • Select "Preview Payment" to verify the details, then confirm by selecting "Pay USD."

• To Pay via USD/USDC (Figure Markets Wallet):

  • Select the "Pay With" dropdown menu and select "USD or USDC."

  • Choose "Pay from USD or USDC" and input the desired payment amount (referencing your available balance displayed above the input field).

  • Select "Preview Payment" to verify the details, then confirm by selecting "Pay USD or USDC."

• To Pay via USDC (External Wallet):

  • Select the "Pay With" dropdown menu and select "Pay from USDC."

  • Choose "Crypto held elsewhere? Make a payment from an external wallet."

  • The following screen will display your unique USDC deposit address. You may copy this address to your clipboard or use the share function to send it via email or messaging.

  • Click the "X" to close the window once you have captured the details.

  • Please note: We currently only accept USDC transfers via the Ethereum (ERC-20) network.

• To Pay via Collateral (Asset): * Select the "Pay With" dropdown menu and choose the specific collateral asset associated with your loan.

  • Input the amount you wish to apply toward the balance and select "Preview Payment." * Review the transaction details and finalize by selecting "Pay Asset" (e.g., "Pay SOL").

    • You may utilize your available collateral to satisfy either a partial payment or a full balance payoff.

  • Please note: A 2% liquidation execution fee typically applies to this type of transaction based on State residency.

• To Pay via Wire Transfer:

  • Select the "Pay With" dropdown menu and select "Pay from Wire Transfer" to access the comprehensive wire instructions screen.

  • The system will generate the specific credentials and remittance details required to facilitate a transfer from your financial institution. You can copy each line of information directly to your clipboard for accuracy.

  • Select "Done" once you have captured the necessary details to finalize the session and exit the interface.

USD (via ACH)

USD (Figure Markets Wallet)

USDC (Figure Markets Wallet)

Wire

Pay with Collateral

©2026 Figure Lending LLC

Figure Lending LLC dba Figure  5200 77 Center Drive, Suite 400, Charlotte, NC 28217 819-6388. NMLS ID 1717824. For licensing information go to www.nmlsconsumeraccess.org

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Equal Opportunity Lender For general customer support, call (888) 819-6388 Monday - Friday, 6am - 9pm PT, Saturday - Sunday, 6am - 5pm PT (excluding holidays).

Equal Housing Opportunity

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Digital currency is not legal tender, is not backed by the government, and BIA accounts are not subject to FDIC or SIPC protections.

Availability:
Crypto loans are offered to U.S. borrowers by Figure Lending LLC. This product is not available to U.S. residents of DC, ID, IL, KY, MD, MS, SD, TX, VT, or VA.
Crypto loans are offered through Figure Markets Credit LLC to residents of the state of New York and to international customers except in the following jurisdictions: Crimea (Ukraine), Donetsk (Ukraine), Luhansk (Ukraine), Afghanistan, Albania, Belarus, Central African Republic, Congo (the Democratic Republic), Cuba, Ethiopia, Haiti, Iran (Islamic Republic of), Iraq, Lebanon, Libya, Mali, Myanmar (Burma), Nicaragua, Nigeria, North Korea (Democratic People's Republic of), Pakistan, Palestine (State of), Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, or Zimbabwe.

Lender & Licensing:
Figure Markets Credit LLC. 650 S. Tryon Street, 8th Floor, Charlotte, NC 28202. (888) 926-6259. NMLS ID 2559612. For licensing information, go to www.nmlsconsumeraccess.org

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Investing in cryptocurrencies involves significant risks. Cryptocurrency trading is not available in NY. Please click here for risk disclosures on investing and trading in cryptocurrencies.

Figure Payments Corporation offers self-directed investors and traders cryptocurrency services. It is neither licensed with the SEC or the CFTC nor is it a Member of NFA. Figure Payments Corporation's NMLS ID number is 2033432, and is located at 100 West Liberty Street, Suite 600, Reno, NV., 89501. You can verify Figure Payments licensing status at the NMLS Consumer Access website. Click here for Figure Crypto's state license and regulatory disclosures.

Crypto Loans starts at a minimum of $5,000, subject to state and jurisdiction-specific legal limitations. Your loan amount will ultimately depend on the amount of collateral in your account and your eligibility will be determined by your state or jurisdiction of residence, credit profile, and other personal information available at the time of your application.

¹General minimum and maximum loan amounts may vary subject to state-specific legal limitations.

²Repayment Period (Minimum-Maximum): 12 months
Maximum APR: 12.62% APR (APR includes interest plus applicable fees such as the 1% origination fee). Available interest rates for Figure's Crypto-Backed Loan are 8.91% (9.999% APR) at 50% LTV or 11.50% (12.62% APR) up to 75%.
Representative Example (Total Cost): As an example, a borrower receives a Crypto Backed Loan at 50% LTV of $10,000 for a term of 12 months, with an interest rate of 8.91% and a 1% origination fee of $100, for an APR of 9.999%. In this example, the borrower will receive $10,000 and will make 12 monthly payments of $74.25. Rates will be higher for applications secured by assets with a higher LTV ratio. The Figure Crypto-Backed Loan has a 12 month interest-only repayment term and allows for a maximum initial LTV ratio of 75%. Interest rates change frequently so your exact interest rate will depend on the date you apply and may depend on many factors such as LTV ratio.

³Obtaining a crypto-backed loan generally does not trigger an upfront taxable event. Tax treatment may vary based on individual circumstances. Consult your tax advisor.

⁴Liquidation protection is only available in CA, NY, FL, PA, AL, AK, GA, HI, MA, UT. Liquidations will still occur if the loan becomes delinquent. More information about liquidation protection can be found here. The Figure Crypto Backed Loan (CBL) allows eligible users to borrow U.S. dollars secured by crypto collateral. The maximum loan-to-value (“LTV”) ratio is 50% at origination.