Agora and Figure Forge Strategic Partnership for Blockchain Auto Loans
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 26 2026
0mins
Should l Buy FIGR?
Source: Newsfilter
- First Blockchain Auto Loans: Agora Data becomes the first company to place U.S. auto loans on blockchain as tokenized real-world assets, marking a significant milestone in consumer finance and expected to attract more investor participation in this historically bank-dominated market.
- Technological Collaboration Advantage: By partnering with Figure, Agora leverages its AI-powered financing and underwriting technology to become the preferred third-party review partner for auto loan assets on the Figure platform, thereby enhancing asset transparency and market efficiency.
- Capital Markets Efficiency Improvement: The blockchain-enabled distribution method will enhance funding efficiency and transparency, expected to provide more capital support to auto dealers and further drive growth in the auto loan market.
- Expanded Investor Access: Decentralized finance investors will be able to directly participate in auto loan-backed assets through the Figure application, facilitating the convergence of traditional finance and decentralized finance and advancing the evolution of fintech.
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Analyst Views on FIGR
Wall Street analysts forecast FIGR stock price to rise
7 Analyst Rating
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 32.640
Low
50.00
Averages
54.67
High
62.00
Current: 32.640
Low
50.00
Averages
54.67
High
62.00
About FIGR
Figure Technology Solutions Inc., formerly FT Intermediate, Inc., is a blockchain-native capital marketplace that connects origination, funding, and secondary market activity. It operates and manages its business through FT Intermediate, Inc. (FTI) and Figure Markets Holdings, Inc. (Markets). The Company's proprietary technology enables next generation lending, trading and investing activities in areas, such as consumer credit and digital assets. Its application of the blockchain ledger allows it to serve its end-customers, improve speed and efficiency, and enhance standardization and liquidity. Its products include Figure HELOC, DSCR Loan, Cash-Out Refinance, Crypto-Backed Loan, Blog, Testimonials, and Repayment Assistance. It utilizes blockchain technology to develop an exchange for digital assets and credit, with new product offerings including providing interest-bearing stablecoin deposits. Its Figure HELOCs offer investors a diversified and risk-adjusted return on the market.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Figure Technology Solutions Reports 127% Growth in Consumer Loan Marketplace
- Marketplace Growth: Figure Technology Solutions reported a 127% year-over-year increase in its consumer loan marketplace volume to $896 million in February 2026, compared to $395 million in February 2025, indicating strong market demand and the company's potential for expansion in the consumer credit sector.
- Stablecoin Circulation Increase: The firm noted that its yield-bearing stablecoin in circulation reached $588 million, representing a 56% increase from January 2026, suggesting a growing adoption of its blockchain-based settlement infrastructure, which enhances the company's competitive edge.
- Financial Performance Miss: Despite reporting a fourth-quarter EPS of $0.06, falling short of analyst expectations of $0.15, Figure's full-year 2025 net revenue was $506.9 million with a net income of $134.3 million, showcasing the long-term growth potential of its core business.
- Market Sentiment Shift: Retail sentiment around Figure Technology Solutions improved from 'bearish' to 'neutral' on Stockwits, reflecting cautious optimism among investors regarding the company's future performance, although discussion levels remained low over the past day.
See More
U.S. Stocks Rise as NIO Reports Strong Earnings
- Quarterly Revenue Surge: NIO reported quarterly revenue of 34.65 billion yuan ($4.95 billion), reflecting a year-over-year increase of 75.9% and a sequential rise of 59.0%, surpassing the analyst consensus estimate of $4.61 billion, indicating robust market demand and sales growth potential.
- Significant Earnings Improvement: The company's adjusted earnings came in at 0.29 yuan (4 cents) per ADS, a remarkable turnaround from a loss of 3.17 yuan per ADS a year earlier, exceeding expectations for a 5-cent loss, showcasing effective cost control and enhanced profitability.
- Stock Price Rally: Following the earnings report, NIO shares surged 10.6% to $5.47, reflecting investor optimism regarding the company's future growth prospects and potentially attracting more institutional investor interest.
- Overall Market Performance: The U.S. stock market rose overall, with the Dow Jones index gaining around 200 points on Tuesday, indicating increased confidence in economic recovery, which may provide a favorable investment environment for NIO and other tech stocks.
See More
Figure Technology to Participate in Global Technology Conference
- Conference Participation: Figure Technology Solutions will participate in the Cantor Global Technology & Industrial Growth Conference on March 10, 2025, where Chief Capital Officer Todd Stevens will engage in a fireside chat at 10:40 a.m. EST, showcasing the company's leadership in the blockchain asset marketplace.
- Market Leadership: As a leading blockchain-native capital marketplace, Figure has originated over $22 billion in home equity loans in partnership with more than 300 partners, solidifying its position as the largest non-bank provider of home equity financing.
- Innovative Products: The ecosystem includes Figure Connect, a consumer credit marketplace, and Democratized Prime, an on-chain lend-borrow marketplace, driving rapid growth in the fintech sector and enhancing competitive advantage.
- Rating Recognition: The company has received AAA ratings from S&P and Moody's on multiple loan securitizations, marking a significant innovation in blockchain finance and boosting investor confidence.
See More
Figure Technology Solutions Reports Significant Operating Data
- Consumer Loan Marketplace Performance: As of February 2026, Figure Technology's consumer loan marketplace volume reached $896 million, reflecting a 127% year-over-year increase, indicating strong market demand and the company's growth potential in the industry.
- Rising Borrower Demand: Borrower demand hit $373 million in February 2026, a 30% increase from January 2026, reflecting a recovery in consumer confidence and increased loan demand, which further drives the company's business expansion.
- Increased Lender Supply: Available lender supply reached $396 million in February 2026, up 51% from January, indicating heightened market competition while providing Figure Technology with more financing opportunities.
- Capital-Light Growth Strategy: Figure Technology anticipates a net take rate of 3.5%-4%, and with the expansion of its blockchain ecosystem, the company aims to solidify its market position and achieve sustainable growth.
See More
Figure Technology Solutions Reports February Operating Data
- Consumer Loan Marketplace Performance: In February 2026, the Consumer Loan Marketplace volume reached $896 million, reflecting a 10% increase from January, indicating strong growth momentum that is expected to enhance revenue potential.
- Rising Borrower Demand: Borrower demand surged to $373 million, a 30% increase from January, showcasing robust market interest in loan products, which could drive future loan origination volumes for the company.
- Increased Lender Supply: Available lender supply rose to $396 million, up 51% from January, demonstrating significant progress in attracting lenders, which is likely to strengthen the company's competitive position in the market.
- Significant Growth in $YLDS Circulation: The circulation of $YLDS reached $588 million, a 56% increase from January, which not only enhances the company's market standing but may also attract more investor interest in its stablecoin offerings.
See More
EU Leads US in Digital Asset Regulation but Faces Challenges
- Unified Regulatory Framework: The EU's Markets-in-Crypto-Assets (MiCA) regulations have established a unified framework across 30 countries, significantly reducing fraud and boosting consumer confidence, thereby laying a solid foundation for the healthy development of the digital asset market.
- High Compliance Costs: Despite being ahead in regulation, the EU's high compliance costs have undermined the competitiveness of blockchain startups, leading to a shift of capital and startups towards the U.S., which impacts the vibrancy of the European market.
- Investor Participation Disparity: Currently, about 30% of American adults own cryptocurrencies compared to only 8.9% in Europe; although retail investor participation in the EU grew by 27% and stablecoin holdings jumped by 40% post-MiCA, the investment barriers remain high.
- Decentralization Risks: With increased regulation, decentralized projects face legal risks, and privacy tools along with non-KYC DeFi could be labeled as illegal financial services, potentially limiting innovation and exacerbating the trend of capital and talent flowing to the U.S.
See More
Figure Technology Solutions Reports 127% Growth in Consumer Loan Marketplace
- Marketplace Growth: Figure Technology Solutions reported a 127% year-over-year increase in its consumer loan marketplace volume to $896 million in February 2026, compared to $395 million in February 2025, indicating strong market demand and the company's potential for expansion in the consumer credit sector.
- Stablecoin Circulation Increase: The firm noted that its yield-bearing stablecoin in circulation reached $588 million, representing a 56% increase from January 2026, suggesting a growing adoption of its blockchain-based settlement infrastructure, which enhances the company's competitive edge.
- Financial Performance Miss: Despite reporting a fourth-quarter EPS of $0.06, falling short of analyst expectations of $0.15, Figure's full-year 2025 net revenue was $506.9 million with a net income of $134.3 million, showcasing the long-term growth potential of its core business.
- Market Sentiment Shift: Retail sentiment around Figure Technology Solutions improved from 'bearish' to 'neutral' on Stockwits, reflecting cautious optimism among investors regarding the company's future performance, although discussion levels remained low over the past day.
See More
U.S. Stocks Rise as NIO Reports Strong Earnings
- Quarterly Revenue Surge: NIO reported quarterly revenue of 34.65 billion yuan ($4.95 billion), reflecting a year-over-year increase of 75.9% and a sequential rise of 59.0%, surpassing the analyst consensus estimate of $4.61 billion, indicating robust market demand and sales growth potential.
- Significant Earnings Improvement: The company's adjusted earnings came in at 0.29 yuan (4 cents) per ADS, a remarkable turnaround from a loss of 3.17 yuan per ADS a year earlier, exceeding expectations for a 5-cent loss, showcasing effective cost control and enhanced profitability.
- Stock Price Rally: Following the earnings report, NIO shares surged 10.6% to $5.47, reflecting investor optimism regarding the company's future growth prospects and potentially attracting more institutional investor interest.
- Overall Market Performance: The U.S. stock market rose overall, with the Dow Jones index gaining around 200 points on Tuesday, indicating increased confidence in economic recovery, which may provide a favorable investment environment for NIO and other tech stocks.
See More
Figure Technology to Participate in Global Technology Conference
- Conference Participation: Figure Technology Solutions will participate in the Cantor Global Technology & Industrial Growth Conference on March 10, 2025, where Chief Capital Officer Todd Stevens will engage in a fireside chat at 10:40 a.m. EST, showcasing the company's leadership in the blockchain asset marketplace.
- Market Leadership: As a leading blockchain-native capital marketplace, Figure has originated over $22 billion in home equity loans in partnership with more than 300 partners, solidifying its position as the largest non-bank provider of home equity financing.
- Innovative Products: The ecosystem includes Figure Connect, a consumer credit marketplace, and Democratized Prime, an on-chain lend-borrow marketplace, driving rapid growth in the fintech sector and enhancing competitive advantage.
- Rating Recognition: The company has received AAA ratings from S&P and Moody's on multiple loan securitizations, marking a significant innovation in blockchain finance and boosting investor confidence.
See More
Figure Technology Solutions Reports Significant Operating Data
- Consumer Loan Marketplace Performance: As of February 2026, Figure Technology's consumer loan marketplace volume reached $896 million, reflecting a 127% year-over-year increase, indicating strong market demand and the company's growth potential in the industry.
- Rising Borrower Demand: Borrower demand hit $373 million in February 2026, a 30% increase from January 2026, reflecting a recovery in consumer confidence and increased loan demand, which further drives the company's business expansion.
- Increased Lender Supply: Available lender supply reached $396 million in February 2026, up 51% from January, indicating heightened market competition while providing Figure Technology with more financing opportunities.
- Capital-Light Growth Strategy: Figure Technology anticipates a net take rate of 3.5%-4%, and with the expansion of its blockchain ecosystem, the company aims to solidify its market position and achieve sustainable growth.
See More
Figure Technology Solutions Reports February Operating Data
- Consumer Loan Marketplace Performance: In February 2026, the Consumer Loan Marketplace volume reached $896 million, reflecting a 10% increase from January, indicating strong growth momentum that is expected to enhance revenue potential.
- Rising Borrower Demand: Borrower demand surged to $373 million, a 30% increase from January, showcasing robust market interest in loan products, which could drive future loan origination volumes for the company.
- Increased Lender Supply: Available lender supply rose to $396 million, up 51% from January, demonstrating significant progress in attracting lenders, which is likely to strengthen the company's competitive position in the market.
- Significant Growth in $YLDS Circulation: The circulation of $YLDS reached $588 million, a 56% increase from January, which not only enhances the company's market standing but may also attract more investor interest in its stablecoin offerings.
See More
EU Leads US in Digital Asset Regulation but Faces Challenges
- Unified Regulatory Framework: The EU's Markets-in-Crypto-Assets (MiCA) regulations have established a unified framework across 30 countries, significantly reducing fraud and boosting consumer confidence, thereby laying a solid foundation for the healthy development of the digital asset market.
- High Compliance Costs: Despite being ahead in regulation, the EU's high compliance costs have undermined the competitiveness of blockchain startups, leading to a shift of capital and startups towards the U.S., which impacts the vibrancy of the European market.
- Investor Participation Disparity: Currently, about 30% of American adults own cryptocurrencies compared to only 8.9% in Europe; although retail investor participation in the EU grew by 27% and stablecoin holdings jumped by 40% post-MiCA, the investment barriers remain high.
- Decentralization Risks: With increased regulation, decentralized projects face legal risks, and privacy tools along with non-KYC DeFi could be labeled as illegal financial services, potentially limiting innovation and exacerbating the trend of capital and talent flowing to the U.S.
See More
