Agora Data, Inc. and Figure Technology Solutions have announced a strategic partnership to introduce U.S. auto loans to modern capital markets using blockchain technology. The initiative is positioned as the first effort to distribute American auto loans as tokenized real-world assets, marking a significant step in the evolution of consumer credit infrastructure. By combining advanced analytics with blockchain-based distribution, the partnership seeks to modernize how auto loans are funded, traded, and accessed by investors.
Agora Data operates as a non-prime auto fintech platform focused on improving access to capital across the automotive finance ecosystem. The company relies on artificial intelligence–driven analytics, credit modeling, and underwriting expertise to help loan originators strengthen portfolio performance and scale responsibly. Figure Technology Solutions, a Nasdaq-listed firm, operates a blockchain-native capital marketplace that integrates loan origination, funding, and secondary market activity, serving a broad network of partners across the lending industry.
Opening Auto Loans to New Investor Classes
The collaboration brings together Agora’s auto finance specialization and Figure’s blockchain infrastructure, securitization tools, and digital asset marketplace. Together, the companies are targeting an asset class that has traditionally been controlled by banks and institutional investors. By placing auto loans on-chain, the partners aim to expand investor access while enhancing liquidity, transparency, and efficiency across the U.S. auto market, which exceeds $1.6 trillion in size.
Through Figure’s platform, decentralized finance participants are expected to gain direct exposure to auto loans originated by Agora. Investors may be able to purchase or lend against these assets, creating new funding channels for auto dealers and financial institutions. The structure is intended to reduce friction in capital markets while maintaining high security standards.
ALTRUVO and the Convergence of Finance Models
A central component of the partnership is Agora’s blockchain-based auto finance platform, ALTRUVO. The platform is designed to strengthen Agora’s funding strategy by introducing a scalable source of capital capable of supporting rising demand. ALTRUVO is expected to operate directly on Figure’s blockchain infrastructure, using its marketplace technology and investor network to distribute auto loans as tokenized real-world assets.
Agora’s leadership has indicated that the initiative accelerates the company’s growth while increasing capital availability for car dealerships. The move is also framed as positioning auto loans as an on-chain asset class for the first time, broadening participation beyond traditional capital providers. For Figure, the partnership aligns with its broader strategy of applying blockchain technology to structured finance and consumer credit.
As part of the agreement, Figure is making an equity investment in Agora, further deepening the strategic relationship. Agora is also designated as a preferred third-party review partner for auto loan assets on the Figure platform, leveraging its proprietary AI-based underwriting and financing technology. The auto loan platform is expected to begin onboarding assets in March.
Moomoo Expands Retail Access to Blockchain-Native Equity
In a related development highlighting the broader adoption of blockchain in U.S. capital markets, Moomoo has become the first U.S. brokerage to offer retail investors access to a blockchain-native, SEC-registered public equity issued by Figure Technology Solutions. The move reflects growing efforts to integrate blockchain technology into regulated market structures while expanding access for everyday investors.
Read the press release: https://t.co/L6BzMcdWpr
— Figure (@Figure) February 26, 2026
Moomoo’s offering allows retail participants to purchase blockchain-native shares using their existing brokerage accounts and U.S. dollar buying power, without the need for digital wallets. The brokerage does not charge commissions on U.S.-listed equities and does not impose blockchain gas fees for the offering or subsequent trading, positioning the initiative as a cost-effective entry point into new equity formats.
Announced today, Agora and Figure’s partnership. Together, changing how the U.S. auto market will be able to directly access, lend against, or purchase Agora-originated auto loans through ALTRUVO. Sign up to get updates.
🌐https://t.co/BGGT6XzY8q@Figure pic.twitter.com/bEFdkcgWXU
— Agora Data (@AGORA_Data) February 26, 2026
The company’s leadership has emphasized that the initiative aligns with its focus on expanding investor choice while maintaining compliance with U.S. securities regulations and investor protection standards. All customers who requested shares reportedly received allocations, underscoring the firm’s emphasis on broad access.
At the same time, disclosures surrounding the offering highlight potential risks associated with blockchain-native securities, including network congestion, smart contract vulnerabilities, regulatory uncertainty, and possible liquidity constraints. These factors illustrate the complexities that may influence investor confidence as blockchain-based public equities gain traction.
A Broader Shift in Capital Markets
Together, the Agora–Figure auto loan initiative and Moomoo’s retail equity access underscore a broader transformation underway in U.S. capital markets. As blockchain infrastructure increasingly intersects with traditional finance, these developments suggest a gradual convergence of fintech innovation, structured finance, and regulated investment environments, reshaping how assets are issued, distributed, and accessed.
