CBL - Initiating an International Payment - Mobile – Figure Markets

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

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

USDC (Figure Markets Wallet): Select the "Pay With" dropdown menu and select "USDC".
- Once selected, input the desired payment amount (referencing the "Outstanding Balance").
- Select "Preview Payment" to verify the details, then confirm by selecting "Pay USDC."
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."
- 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.
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 applies to this type of transaction

Pay with USDC

Pay with Collateral

Figure Markets Credit LLC's Crypto-Backed Loan amount starts at a minimum of $2,500, which may vary subject to jurisdiction-specific legal limitations.

⁵International Loan. Repayment Period (Minimum-Maximum): 12 months
Maximum APR: 13.173% APR (APR includes interest plus applicable fees such as the 1.5% origination fee). Available interest rates for Figure's Crypto-Backed Loan are 8.91% (10.544% APR) at 50% LTV or 11.50% (13.173% 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 1.5% origination fee of $150, for an APR of 10.544%. 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 your LTV ratio.

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