Figure Lending vs CoinRabbit: Crypto Loans & Private Program Compared On Terms, Flexibility & Features

9th Jun 2026
CoinRabbit and Figure Lending offer distinct approaches to unlocking liquidity from crypto holdings without forcing a sale. CoinRabbit emphasizes speed, broad asset coverage, and strict no-rehypothecation policy, while Figure Lending applies a more traditional structured lending model with fixed terms and cash disbursements. This analysis examines how the two platforms stack up on loan mechanics, collateral handling, costs, user experience, and premium services for larger clients and businesses. Figure Lending vs CoinRabbit: Platform Overviews CoinRabbit, launched in 2020, functions as a security-focused crypto asset management platform. It maintains 100% capital reserves and enforces a strict no-rehypothecation policy on collateral. The core offering is fast crypto loans with funding in 10 minutes, flexible repayment without a maturity date, and additional services including stablecoin yield, secure wallet, swaps across 240+ tokens, and a dedicated Private Program for HNW and institutional clients. Figure Lending, part of the Figure ecosystem with roots in traditional finance and billions in originated loans, provides crypto-backed loans primarily in USD. It targets users seeking predictable, structured borrowing against major assets. The platform uses decentralized MPC custody that allows on-chain visibility of collateral and emphasizes regulatory alignment in available jurisdictions. Figure Lending vs CoinRabbit: Loan Products and Terms The platforms diverge significantly in structure and flexibility. LTV, rates, and collateral requirements Figure Lending offers a maximum initial LTV of 75%, with optimal pricing at 50% LTV. Rates start at 8.91% (9.999% APR) at 50% LTV and rise to 11.50% (12.62% APR) at higher LTVs. Loans carry a 1% origination fee and follow a 12-month interest-only repayment schedule with monthly payments. Collateral is limited to BTC, ETH, and SOL. CoinRabbit allows LTV ratios up to 90% with a fixed APR starting at 11.95%. Interest accrues and settles at repayment, and loans have no fixed term, enabling borrowers to hold positions indefinitely as long as collateral remains sufficient. The platform supports more than 350 cryptocurrencies as collateral, making it suitable for diversified portfolios that include altcoins. Collateral management and custody Figure uses decentralized MPC custody, allowing borrowers to verify their collateral on-chain via a provided address. The platform states that collateral remains segregated and is not rehypothecated. Both models combine transparency with institutional-grade processes. CoinRabbit stores pledged assets in segregated cold multisig wallets and does not reuse them for any other purpose. This isolation provides a straightforward risk profile for borrowers concerned about counterparty exposure. Figure Lending vs CoinRabbit Loans: Comparison Table Feature CoinRabbit Figure Lending Founded 2020 2018 (crypto loans expanded later) Collateral rehypothecation Never Never Supported collateral assets 350+ BTC, ETH, SOL Maximum LTV 90% 75% APR range From 11.95% 9.999% to 12.62% Loan term Unlimited / open-ended 12 months Origination fee None  1% Premium Private program  $500,000 Not offered Fees and cost structure Figure incorporates a 1% origination fee and monthly interest-only payments. While base rates can appear lower at conservative LTV levels, the fixed term and additional fee increase the effective cost for shorter holding periods. Borrowers must also factor in the requirement for scheduled monthly outflows. CoinRabbit delivers predictable fixed pricing with rates locked for the duration of the loan. Costs depend primarily on chosen LTV and asset, with no origination fees in standard cases. This transparency simplifies forecasting for businesses and long-term holders. Supported assets and additional features Figure focuses on core assets and provides direct USD cash disbursements to bank accounts, which appeals to businesses needing traditional fiat liquidity. It integrates with its broader trading and markets platform but offers less variety in collateral types. CoinRabbit’s extensive collateral list gives it a clear edge for portfolios with mid-cap and altcoin exposure. Users can request direct transfers to bank accounts starting from $20,000, which are coordinated through a dedicated personal account manager. The platform also includes automated loan recovery and collateral management features, including options for auto top-ups and cross-collateralization to help maintain loan health during market volatility. Borrowing experience and accessibility Figure delivers same-day approvals with a more formal application process. Funding is efficient for approved loans, but the structured 12-month term and monthly payment schedule suit borrowers who prefer predictability over maximum flexibility. Minimum loan size starts at 5,000$. CoinRabbit provides one of the fastest end-to-end processes available, with loans funded in 10 minutes, minimum loan sizes as low as 25 to 100$, and 24/7 human support. There are minimal barriers for testing small amounts. Private Client Programs CoinRabbit’s Private Program targets portfolios of 500,000$ and above and serves as a key differentiator. Qualifying clients gain access to a dedicated relationship manager, fully customized loan terms, reduced rates, cross-collateralization across multiple assets, proactive margin alerts, loan recovery options, and priority 24/7 support. The program is designed for family offices, businesses, and high-net-worth individuals seeking tailored wealth management solutions. Figure Lending does not currently offer a comparable dedicated private or white-glove program for crypto loans. Larger clients receive institutional servicing through standard channels, but without the personalized manager, bespoke structuring, or premium features available in CoinRabbit’s program. Use Cases: When to Choose Figure Lending vs CoinRabbit Figure Lending fits borrowers who prioritize lower rates on major assets at conservative LTVs, prefer fixed 12-month terms with monthly payments, and need direct USD cash to bank accounts. It is well suited for institutions or individuals comfortable with structured repayment schedules and focused on BTC, ETH, or SOL exposure. CoinRabbit is the stronger option for users requiring high LTVs up to 90%, support for 350+ assets, and open-ended flexibility, especially those who value a robust Private Program. The combination of fast funding, broad collateral acceptance, and a strict no-rehypothecation model makes it particularly suitable for diversified treasuries and larger clients seeking customized liquidity solutions. For eligible requests, USD cash-out options to bank accounts may also be arranged on a case-by-case basis through the dedicated account management. Figure Lending vs CoinRabbit: Final Verdict Figure Lending brings a traditional finance lens to crypto borrowing with competitive rates at lower LTVs, on-chain custody transparency, and predictable terms. It performs well for straightforward BTC/ETH/SOL loans where structure and cash disbursements matter. CoinRabbit stands out through superior flexibility, significantly broader asset coverage, faster execution, and a fully developed Private Program that delivers white-glove service for portfolios above 500,000$. For businesses and high-net-worth clients who need personalized terms, proactive support, and maximum liquidity options without rigid repayment schedules, CoinRabbit’s offering provides a more comprehensive solution.