Founder Mike Cagney is always pushing the envelope, and investors love him for it. Not long sexual harassment allegations prompted him to leave SoFi, the personal finance company that he cofounded in 2011, he raised $50 million for a new lending startup called Figure that has since raised at least $225 million from investors and was valued a year ago at $1.2 billion. Now, Cagney is trying to do something unprecedented with Figure, which says it uses a blockchain to more quickly facilitate home equity, mortgage refinance, and student and…