Figure went public this week in an upsized IPO, selling 31.5 million shares at $25 per share to raise about $787.5 million, valuing the company at about $5.3 billion at pricing. Shares opened near $36 and closed at $31.11, implying a closing market cap of approximately $6.6 billion, about 24% above the IPO price. This marks a landmark IPO, as Figure is the first company to bring a large-scale, real-world blockchain use case to the public markets. Rather than focusing on speculation, Figure’s platform originates, funds, securitizes, and trades home equity lines of credit (HELOCs), all on-chain.
Founded in 2018 by Mike Cagney and June Ou, Figure developed the Provenance Blockchain as a ledger for loan origination, servicing, and secondary-market execution. It started by putting HELOCs on-chain and built a strong distribution engine, now partnering across the industry, including 10 of the top 20 mortgage companies and independent mortgage banks, to distribute HELOC products. The platform is now widely adopted by large financial institutions across mortgage and credit workflows.
Figure demonstrates that blockchain isn’t just for crypto trading; it can be applied usefully to traditional financial markets. The Provenance Blockchain supports the entire HELOC lifecycle, shortening funding timelines to about 10 days, versus an industry average of more than 40 days, and enabling on-chain issuance, sale, servicing, and lien registry updates with greater transparency and lower verification costs. A 2025 securitization using Provenance even earned an AAA rating from S&P Global Ratings, an industry first for blockchain-enabled assets.
Now that Figure has nailed HELOCs on-chain, it is evolving from balance-sheet lending to building an open marketplace and a full-scale digital asset exchange, Figure Markets, with the goal of tokenizing all securities over time. Linked here is our detailed M&A alert that describes Figure Technologies’ recent re-merger with Figure Markets and the dynamics behind it.
Altogether, Figure shows that blockchain can move real assets, not just digital tokens, driving institutional-scale trading, settlement, and registration on a single transparent ledger. The opportunity now is for Provenance rails to become standard infrastructure for credit and, potentially, other markets. The successful IPO establishes that blockchain can support a large, regulated market function end-to-end, underscoring that the technology has a use case outside of speculation.