
Earn yield on native XRP without leaving the XRPL ecosystem.






SOIL is the first regulated yield protocol on XRPL — delivering 5–8% fixed APR through vaults backed by U.S. Treasuries, private credit, and institutional loans. No algorithms.
No bridges. Just real-world yield for real users derived from loans to hedge funds, Money-Market Funds and U.S. T-Bills.

SOIL is building on XRPL to tap into its fast, compliant, and scalable ecosystem for institutional yield.
Deep Liquidity
Native XRPL DEX and AMM infrastructure ensures smooth asset flow for RLUSD and XRP pairs.
RLUSD & XRP
RLUSD delivers regulated stablecoin liquidity. XRP brings $100B+ in liquid capital seeking yield.
Low Fees, High Speed
Near-instant finality and negligible gas make XRPL ideal for capital efficiency.
No Smart Contract Risk
XRPL's built-in transaction logic removes the complexity and attack surface of EVM smart contracts.
SEED is SOIL's loyalty point system. The more you stake, the more you earn. Points grow with deposits, loyalty, and early action - unlocking APR boosts in future vaults.
→ Compete for extra SEED & APR Boost
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Maximize Your SEED.
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This FAQ is intended to provide general information. This FAQ does not set forth everything you should know before using Soil services. This FAQ is not binding. The only binding legal documents are appropriate terms and conditions issued by Soil Ltd. Soil Ltd. is not a financial institution, in particular it is not an investment fund manager or asset manager, and does not have any license or authorisation required to provide services as a financial institution. Any contents of this website are provided for informational purposes only and do not constitute an offer or a legal document. The only binding legal documents are appropriate terms and conditions issued by Soil Ltd. Certain limitations on use of or access to Soil Ltd. services may apply. More details about Soil Ltd. services are set out in appropriate terms and conditions issued by Soil Ltd. available at: Terms and conditions