Figure Heloc (FIGR_HELOC) vs Stellar (XLM)

This project is building the foundational protocol layer for institutional debt markets on blockchain. Powered by Provenance Blockchain, Figure Connect and Figure Markets are transforming the way loan assets are originated, traded, and settled. Figure Connect functions as a primary market for credit—standardizing and tokenizing debt assets such as HELOCs and private credit into composable on-chain formats. Figure Markets acts as a secondary trading venue, enabling 24/7 settlement of these digital loan assets through decentralized custody, with support for both crypto and fiat on/off ramps. Together, they offer an integrated protocol for real-world asset finance, with deep roots in the lending ecosystem.

Stellar is a layer 1 blockchain platform designed to support fast, secure, and low-cost value transfers between different currencies. Launched in 2014 by one of the co-founders of Ripple, another cryptocurrency project aimed at facilitating cross-border payments for businesses and institutions, Stellar focuses more on modest daily exchanges. The Stellar network uses a unique consensus protocol, the Stellar Consensus Protocol (SCP), which allows for rapid transaction confirmation without relying on Proof of Work (PoW) or Proof of Stake (PoS).