Figure Heloc (FIGR_HELOC)

Figure Heloc trades at $1.034, tokenizing a home equity loan to bridge real-world property law with on-chain assets — the most practical innovation in this top 10. Unlike Dogecoin (#10), which relies on community sentiment, Figure Heloc derives its value directly from a secured real estate claim, offering a tangible yield model. Its $34M market cap is modest, but it validates a category that could surpass typical DeFi protocols in regulatory clarity. With an average loan term of 10 years, it provides a stable, data-backed alternative to volatile cryptocurrencies.