Figure Pays $717M for Kiavi to Dominate Real Estate Tokenization

Figure Technology Solutions Inc is placing a $717 million bet on the future of tokenized real estate. The company has announced a definitive agreement to acquire Kiavi, an AI-powered lending platform serving residential real estate investors. 

The deal includes the purchase of Kiavi’s balance sheet assets through a joint venture with global investment firm Sixth Street. It is expected to add more than $7 billion in annual loan volume to Figure’s marketplace. For Figure Technology Solutions, this isn’t simply about adding a lending platform. It’s a deliberate push to move a larger slice of the real estate market onto blockchain infrastructure.

Figure Expands Its Blockchain Marketplace

Kiavi focuses on financing for real estate investors who buy, renovate and rent residential properties. It offers Residential Transition Loans and Debt Service Coverage Ratio loans that have become staples of the investment property market.

According to Figure Technology Solutions Inc, the acquisition unlocks access to a residential lending market with roughly $200 billion in annual originations. Kiavi is expected to contribute more than $100 million in monthly flow to Democratized Prime. Figure’s blockchain-based marketplace connects lenders and investors.

A Bigger Push Into Tokenization

The deal fits squarely into Figure Technology Solutions’ broader mission of migrating traditional financial assets onto blockchain rails. The company already claims roughly 75% of real-world asset tokenization activity and with Kiavi’s loan volume folded in. It expects to extend that lead considerably. CEO Michael Tannenbaum didn’t mince words about the direction: “Figure is relentless in our pursuit of moving the capital markets onto blockchain rails.”

He added that the acquisition marks another major step toward tokenization, first-lien lending growth and the company’s expanding AI platform. The move also reflects one of the defining themes in Blockchain news right now. The convergence of blockchain, artificial intelligence and traditional finance is happening in real time.

AI Plays a Key Role

Artificial intelligence sits at the core of both companies. Kiavi uses AI for loan underwriting, property valuation and document analysis, while Figure Technology Solutions has been building out AI tools designed to sharpen marketplace efficiency.

One of those tools, called Adaptor, will use Kiavi as its first real-world deployment. The platform supports agent-to-agent onboarding, helping standardize data across lenders and cutting the time needed to bring new assets into Figure’s marketplace.

What This Means for Investors

For investors, the deal shines a light on the growing weight of tokenized real-world assets in digital finance. Tokenization allows loans and financial products to flow more efficiently through digital marketplaces. While trimming costs and improves transparency.

Kiavi’s addition is also expected to support Figure Technology Solutions’ long-term profitability targets. The company reaffirmed its goal of reaching a 60% medium-term EBITDA margin and expects the transaction to contribute positively to earnings.

Real Estate Meets Blockchain

The acquisition is a vivid illustration of how quickly Blockchain news has shifted from cryptocurrency speculation to the transformation of traditional financial markets. By combining Kiavi’s real estate lending expertise with its own blockchain infrastructure. Figure Technology Solutions Inc is carving out a position at the center of one of digital finance’s fastest-growing frontiers. It is signaling that real estate tokenization is no longer a distant concept but an active market taking shape right now.

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