A major Wall Street endorsement has put Figure Technology Solutions in the spotlight. Analysts at Bernstein have labeled the company a rising force in blockchain-based finance, predicting its innovative model could fundamentally reshape how traditional loans and assets are traded.
Instead of describing Figure as just another fintech firm, Bernstein’s research team positioned it as an architect of a new financial infrastructure – one designed to bring traditional credit and asset markets onto the blockchain. Their analysis values the company’s shares at $54, suggesting substantial upside from current levels.
Reimagining the credit market
Figure’s technology doesn’t just automate lending; it rebuilds it from the ground up. Through its Provenance blockchain, the company turns conventional loans into tradable digital instruments, eliminating intermediaries and drastically reducing costs. Bernstein estimates the firm already dominates the emerging tokenized loan sector, accounting for roughly three-quarters of the $17 billion market.
The analysts compared this shift to what stablecoins did for payments: transforming how money moves globally. In Figure’s case, the change could apply to debt, credit, and eventually even equities – unlocking speed, transparency, and liquidity in markets that traditionally move slowly and expensively.
A fintech with Wall Street ambitions
Founded by SoFi co-founder Mike Cagney, Figure went public in September with a valuation above $7 billion. Since its debut, the company’s stock has climbed from $36 to over $41, with analysts arguing it could become one of the first large-scale examples of blockchain utility in consumer finance.
Beyond home equity loans – where Figure already controls 13% of the non-bank market – the firm plans to extend its blockchain model to auto loans, small business financing, and securitized products. Bernstein projects that as the company expands its “Figure Connect” marketplace, annual revenue could more than double by 2027, while profit margins strengthen dramatically.
A trillion-dollar opportunity
Analysts believe the potential for credit tokenization is enormous – around $2 trillion globally – and that Figure’s infrastructure gives it a decisive first-mover advantage. The firm’s blockchain marketplace reportedly cuts operating expenses by over 90% and shortens loan processing times by up to 75%.
Bernstein expects that by 2027, Figure could generate more than $750 million in revenue and over $400 million in EBITDA, fueled by rapid adoption of its tokenized credit products.
In short, the report casts Figure not as a traditional lender but as a blueprint for a future where blockchain powers mainstream finance – where every loan, bond, or security could be issued, traded, and settled digitally.
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Source: https://coindoo.com/blockchain-set-to-revolutionize-global-credit-markets-according-to-bernstein/
