The Best Risk-Adjusted Yield in Crypto Right Now w/ Nic Santomauro, Figure Markets

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Aug 1, 2025

Join Nic Santomauro, CMO at Figure Markets and former Global Growth Director at Binance, as he unravels the revolutionary potential of tokenized private credit. Learn how Figure has implemented over $12 billion in home equity loans on the blockchain and what this means for retail investors seeking high yields. They discuss the implications of the Genius Act on traditional banks, the rise of decentralized finance, and how these shifts open doors for everyday investors to capitalize on previously exclusive financial opportunities.

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INSIGHT

Figure Markets' On-Chain Home Loans

Figure Markets leads in tokenizing real-world assets with over $12 billion in home equity loans on-chain.
This disrupts traditional finance by removing middlemen and significantly reducing costs.

INSIGHT

Genius Act Spurs Capital Exodus

The Genius Act could lead to a $6.6 trillion exodus from banks to stablecoins.
This shift may trigger a revolution where DeFi absorbs much of traditional lending.

ADVICE

Use DeFi for Lending Yield

Move cash into stablecoin wallets and lend on DeFi platforms like Democratized Prime.
This allows retail investors to lend directly, replacing centralized bank lending.

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Can blockchain revolutionize a $1.6 trillion market—and no one’s talking about it?

In this episode, Jay sits down with Nick Santomauro, CMO at Figure Markets and former Global Growth Director at Binance, to unpack how tokenized private credit could quietly reshape the financial system.

Nick explains how Figure has already put over $12 billion worth of home equity loans on-chain, and why that could be just the beginning. They dive into the impact of the Genius Act, the $6.6 trillion threat to traditional banks, and how retail investors can now access yields that were once reserved for institutions.

If you've been waiting for a real-world crypto use case, this is it.

In this episode you’ll learn:

- What tokenized private credit is, and why it matters

- How Figure Markets has quietly become a leader in real-world asset tokenization

- Why the Genius Act could trigger a massive capital shift out of the banking system

- How DeFi is positioned to absorb that shift and offer new yield opportunities

- What “Democratized Prime” is and how retail investors can access ~9% yield

- The difference between traditional HELOCs and on-chain home equity loans

- Why decentralized custody is crucial post-FTX

- Nick’s perspective on where crypto is headed over the next 6–12 months

- The growing opportunity in tokenized debt vs tokenized equities

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🎙 GUEST INFO 🎙

Nick Santomauro: https://x.com/Nsantoma

Figure Markets: https://x.com/FigureMarkets

📃 Disclaimer 📃

The information presented in this video is for educational and informational purposes only. It should not be considered as financial, legal. The views and opinions expressed by the speakers, are their own and do not constitute professional advice. Investing in cryptocurrencies carries significant risks, including the potential for substantial losses.