SCHEDULE 13G 0001781415 XXXXXXXX LIVE Class A Common Stock 09/30/2025 0002064124 Figure Technology Solutions, Inc. 349381103 100 West Liberty St, Suite 600 Reno NV 10018 Rule 13d-1(d) DCM Opportunity Fund III, L.P. b E9 201309.00 0.00 201309.00 0.00 201309.00 N 0.1 PN Note to Row 5: 201,309 shares, except that DCM Opportunity Fund Investment Management III, L.P. ("GP Opportunity III"), the general partner of DCM Opportunity Fund III, L.P. ("DCM Opportunity III"), and DCM Opportunity Fund International III, Ltd. ("UGP Opportunity III"), the general partner of GP Opportunity III, may be deemed to have sole power to vote these shares, and Matthew C. Bonner ("Bonner"), Andre G. Levi ("Levi") and F. Hurst Lin ("Lin"), the directors of UGP Opportunity III, may be deemed to have shared power to vote these shares. Note to Row 6: See response to row 5. Note to Row 7: 201,309 shares, except that GP Opportunity III, the general partner of DCM III, and UGP Opportunity III, the general partner of GP Opportunity III, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP Opportunity III, may be deemed to have shared power to dispose of these shares. Note to Row 8: See response to row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of Figure Technology Solutions, Inc. (the "Issuer") as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. DCM Opportunity Fund Investment Management III, L.P. b E9 201309.00 0.00 201309.00 0.00 201309.00 N 0.1 PN Note to Row 5: 201,309 shares, all of which are directly owned by DCM Opportunity III. GP Opportunity III, the general partner of DCM Opportunity III, may be deemed to have sole power to vote these shares, except that UGP Opportunity III, the general partner of GP Opportunity III, may be deemed to have sole power to vote these shares and Bonner, Levi and Lin, the directors of UGP Opportunity III, may be deemed to have shared power to vote these shares. Note to Row 6: See response to row 5. Note to Row 7: 201,309 shares, all of which are directly owned by DCM Opportunity III. GP Opportunity III, the general partner of DCM Opportunity III, may be deemed to have sole power to dispose of these shares, except that UGP Opportunity III, the general partner of GP Opportunity III, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP Opportunity III, may be deemed to have shared power to dispose of these shares. Note to Row 8: See response to row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. DCM Opportunity Fund International III, Ltd. b E9 201309.00 0.00 201309.00 0.00 201309.00 N 0.1 OO Note to Row 5: 201,309 shares, all of which shares are directly owned by DCM Opportunity III. UGP Opportunity III is the general partner of GP Opportunity III, the general partner of DCM Opportunity III, and may be deemed to have sole power with respect to such shares, except that GP Opportunity III, the general partner of DCM Opportunity III, may be deemed to have sole power to vote these shares and Bonner, Levi and Lin, the directors of UGP Opportunity III, may be deemed to have shared power to vote these shares. Note to Row 6: See response to row 5. Note to Row 7: 201,309 shares, all of which shares are directly owned by DCM Opportunity III. UGP Opportunity III is the general partner of GP Opportunity III, the general partner of DCM Opportunity III, and may be deemed to have sole power to dispose of these shares, except that GP Opportunity III, the general partner of DCM Opportunity III, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP Opportunity III, may be deemed to have shared power to dispose of these shares. Note to Row 8: See response to row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. Figure Investments, LLC b DE 16456952.00 0.00 16456952.00 0.00 16456952.00 N 9.4 PN Note to Row 5: 16,456,952 shares, except that DCM Ventures China Fund (DCM VIII), L.P. ("DCM VIII"), the majority voting member of Figure Investments, LLC ("Figure SPV"), DCM Investment Management VIII, L.P. ("GP VIII"), the general partner of DCM VIII, and DCM International VIII, Ltd. ("UGP VIII"), the general partner of GP VIII, may be deemed to have sole power to vote these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to vote of these shares. The members of Figure SPV are DCM VIII, DCM VIII, L.P. ("Side Fund VIII") and DCM Affiliates Fund VIII, L.P. ("Affiliates Fund VIII"), DCM VIII, Side Fund VIII and Affiliates Fund VIII are all under common control and each of DCM VIII, Side Fund VIII and Affiliates Fund VIII may receive proceeds from a disposition of these shares in proportion to their percentage interests in Figure SPV. Note to Row 6: See response to Row 5. Note to Row 7: 16,456,952 shares, except that DCM VIII, the majority voting member of Figure SPV, GP VIII, the general partner of DCM VIII, and UGP VIII, the general partner of GP VIII, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to dispose of these shares. The members of Figure SPV are DCM VIII, Side Fund VIII and Affiliates Fund VIII, DCM VIII, Side Fund VIII and Affiliates Fund VIII are all under common control and each of DCM VIII, Side Fund VIII and Affiliates Fund VIII may receive proceeds from a disposition of these shares in proportion to their percentage interests in Figure SPV. Note to Row 8: See response to Row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. DCM Ventures China Fund (DCM VIII), L.P. b E9 16456952.00 0.00 16456952.00 0.00 16456952.00 N 9.4 PN Note to Row 5: 16,456,952, all of which shares are directly owned by Figure SPV. DCM VIII, the majority voting member of Figure SPV, GP VIII, the general partner of DCM VIII, and UGP VIII, the general partner of GP VIII, may be deemed to have sole power to vote these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to vote these shares. The members of Figure SPV are DCM VIII, Side Fund VIII and Affiliates Fund VIII, DCM VIII, Side Fund VIII and Affiliates Fund VIII are all under common control and each of DCM VIII, Side Fund VIII and Affiliates Fund VIII may receive proceeds from a disposition of these shares in proportion to their percentage interests in Figure SPV. Note to Row 6: See response to Row 5. Note to Row 7: 16,456,952, all of which shares are directly owned by Figure SPV. DCM VIII, the majority voting member of Figure SPV, GP VIII, the general partner of DCM VIII, and UGP VIII, the general partner of GP VIII, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to dispose of these shares. The members of Figure SPV are DCM VIII, Side Fund VIII and Affiliates Fund VIII, DCM VIII, Side Fund VIII and Affiliates Fund VIII are all under common control and each of DCM VIII, Side Fund VIII and Affiliates Fund VIII may receive proceeds from a disposition of these shares in proportion to their percentage interests in Figure SPV. Note to Row 8: See response to Row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. DCM Investment Management VIII, L.P. b E9 16456952.00 0.00 16456952.00 0.00 16456952.00 N 9.4 PN Note to Row 5: 16,456,952, all of which shares are directly owned by Figure SPV. GP VIII is the general partner of DCM VIII, the majority voting member of Figure SPV, and may be deemed to have sole power to vote these shares, except that UGP VIII, the general partner of GP VIII, may be deemed to have sole power to vote these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to vote these shares. Note to Row 6: See response to Row 5. Note to Row 7: 16,456,952, all of which shares are directly owned by Figure SPV. GP VIII is the general partner of DCM VIII, the majority voting member of Figure SPV, may be deemed to have sole power to dispose of these shares, except that UGP VIII, the general partner of GP VIII, may be deemed to have sole power to dispose of these shares, and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to dispose of these shares. Note to Row 8: See response to Row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. DCM International VIII, Ltd. b E9 16456952.00 0.00 16456952.00 0.00 16456952.00 N 9.4 OO Note to Row 5: 16,456,952, all of which shares are directly owned by Figure SPV. UGP VIII is the general partner of GP VIII, the general partner of DCM VIII, the dispositive voting member of Figure SPV, and may be deemed to have sole voting power with respect to such shares, except GP VIII, the general partner of DCM VIII, and DCM VIII, the dispositive voting member of Figure SPV, may be deemed to have sole power to vote these shares and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to vote these shares. Note to Row 6: See response to Row 5. Note to Row 7: 16,456,952, all of which shares are directly owned by Figure SPV. UGP VIII is the general partner of GP VIII, the general partner of DCM VII, the dispositive voting member of Figure SPV, and may be deemed to have sole voting power with respect to such shares, except GP VIII, the general partner of DCM VIII, and DCM VIII, the dispositive voting member of Figure SPV, may be deemed to have sole power to dispose of these shares and Bonner, Levi and Lin, the directors of UGP VIII, may be deemed to have shared power to dispose of these shares. Note to Row 8: See response to Row 7. Note to Row 11: This percentage is calculated based upon 174,853,649 Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. Matthew C. Bonner b X1 0.00 16658261.00 0.00 16658261.00 16658261.00 N 9.5 IN Note to Row 6: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Bonner is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to vote these shares. Note to Row 8: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Bonner is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to dispose of these shares. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. Andre G. Levi b X1 0.00 16658261.00 0.00 16658261.00 16658261.00 N 9.5 IN Note to Row 6: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Levi is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to vote these shares. Note to Row 8: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Levi is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to dispose of these shares. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. F. Hurst Lin b X1 0.00 16658261.00 0.00 16658261.00 16658261.00 N 9.5 IN Note to Row 6: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Lin is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to vote these shares. Note to Row 8: 16,658,261, of which 16,456,952 are directly owned by Figure SPV and 201,309 are directly owned by DCM Opportunity III. Lin is a director of each of UGP VIII, the general partner of GP VIII, which is the general partner of each of DCM VIII, Side Fund VIII and Affiliates Fund VIII, the members of Figure SPV, and UGP Opportunity III, the general partner of GP Opportunity III, which is the general partner of DCM Opportunity III, and may be deemed to have shared power to dispose of these shares. Note to Row 11: This percentage is calculated based upon 174,853,649 shares of Class A common stock outstanding of the Issuer as of September 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025. Figure Technology Solutions, Inc. 100 West Liberty St, Suite 600 Reno, NV, 10018 This Schedule is filed by DCM Opportunity Fund III, L.P., a Cayman Islands exempted limited partnership ("DCM Opportunity III"), DCM Opportunity Fund Investment Management III, L.P., a Cayman Islands exempted limited partnership ("GP Opportunity III"), DCM Opportunity Fund International III, Ltd., a Cayman Islands exempted company ("UGP Opportunity III"), Figure Investments, LLC, a Delaware limited liability corporation ("Figure SPV), DCM Ventures China Fund (DCM VIII), L.P., a Cayman Islands exempted limited partnership ("DCM VIII"), DCM Investment Management VIII, L.P., a Cayman Islands exempted limited partnership ("GP VIII"), DCM International VIII, Ltd., a Cayman Islands exempted company ("UGP VIII"), Matthew C. Bonner, ("Bonner"), Andre G. Levi ("Levi") and F. Hurst Lin ("Lin"). The foregoing entities and individuals are collectively referred to as the "Reporting Persons." c/o DCM 2420 Sand Hill Road Suite 200 Menlo Park, California 94025 See Row 4 of cover page for each Reporting Person. Y See Row 9 of cover page for each Reporting Person. See Row 11 of cover page for each Reporting Person. See Row 5 of cover page for each Reporting Person. See Row 6 of cover page for each Reporting Person. See Row 7 of cover page for each Reporting Person. See Row 8 of cover page for each Reporting Person. Y N Under certain circumstances set forth in the limited partnership agreements of DCM Opportunity III, DCM VIII, GP VIII and GP Opportunity III, the limited liability company agreement of Figure SPV and the amended and restated memorandum and articles of association of UGP Opportunity III and UGP VIII, the partners, members or shareholders, as the case may be, of each of such entities may be deemed to have the right to receive dividends from, or the proceeds from the sale of, shares of the Issuer directly or indirectly owned by each such entity of which they are a partner or member. Y Y Y Y Exhibit A Agreement of Joint Filing Exhibit B Power of Attorney DCM Opportunity Fund III, L.P. /s/ Matthew C. Bonner 11/17/2025 DCM Opportunity Fund Investment Management III, L.P. /s/ Matthew C. Bonner 11/17/2025 DCM Opportunity Fund International III, Ltd. /s/ Matthew C. Bonner 11/17/2025 Figure Investments, LLC /s/ Matthew C. Bonner 11/17/2025 DCM Ventures China Fund (DCM VIII), L.P. /s/ Matthew C. Bonner 11/17/2025 DCM Investment Management VIII, L.P. /s/ Matthew C. Bonner 11/17/2025 DCM International VIII, Ltd. /s/ Matthew C. Bonner 11/17/2025 Matthew C. Bonner /s/ Matthew C. Bonner 11/17/2025 Andre G. Levi /s/ Matthew C. Bonner 11/17/2025 F. Hurst Lin /s/ Matthew C. Bonner 11/17/2025 * Signed pursuant to a Power of Attorney included at Exhibit B hereto.