Real Yield
meets Real Assets

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.

Find out more

Regulated Fund Structure

Soil operates through a licensed Fund of Funds in the EU — enabling compliant, institutional-grade access to real-world yield.

Real Yield from Real Assets

Fixed APRs (5–8%) are backed by short-term U.S. Treasuries, money market funds, crypto hedge fund loans, and private credit strategies.

XRPL-Native. Built for Scale.

Native RLUSD vaults, zero bridging, and XRPL wallet support. Multi-chain ready for expansion to EVM and beyond.

Regulated yield

meets theright chain

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.

You've got questions.

We've got answers.

How is yield calculated?+

Yield is calculated once per day at 19:00 CET/CEST. If you lend funds before 19:00 CET/CEST, your first yield accrual will be recorded at 19:00 CET/CEST the following day. If you lend funds after 19:00 CET/CEST, your first yield accrual will be recorded two days later, after your first full Interest Cycle has been completed.

What are Soil Vaults?+

Vaults are lending pools that allow you to lend RLUSD to Soil Ltd. and earn fixed yields (loan interest rate). Soil Ltd. may use borrowed funds for many purposes, including Money Market Funds (MMFs), U.S. Treasury bills (T-bills), Private Credit Funds and Crypto Hedge Funds.

What is a Fixed APR?+

A Fixed APR (Annual Percentage Rate) is a guaranteed return rate that remains constant throughout the loan period, providing predictable yields (loan interest rates) regardless of market fluctuations.

Can I withdraw funds anytime?+

Withdrawal policies vary by vault type. The Notice period always begins on the first day of the following month to align with the underlying yield-generating assets, and your funds continue to earn interest during this time. Once the Notice period concludes, the Cooldown phase begins, during which your capital no longer accrues interest while being prepared for payout. If a specific vault does not require a Notice period, funds enter the Cooldown phase immediately. Always check the specific terms of each vault before investing to understand the applicable lock-up periods or withdrawal windows.

What happens after the capped vaults fill?+

Once a capped vault reaches its maximum capacity, new loans will be temporarily suspended. You can join a waitlist or explore other available vaults.

How do I earn SEED points?+

SEED points are earned through various platform activities including lending funds to Soil Ltd, referring users, and participating in governance activities.

Are SEED points tokens?+

SEED points are loyalty rewards within the platform ecosystem. They are not blockchain tokens but can be redeemed for various benefits and platform privileges.

What are the benefits of SEED points?+

SEED points can be used to access premium features, receive priority access to new vaults, get fee discounts, and participate in exclusive community events and governance decisions.

Where does the loan interest come from?+

Loan interest is paid by Soil Ltd. Soil Ltd. may use for this purpose funds owned by Soil Ltd. generated from the underlying real-world investments of Soil Ltd. including money market funds, treasury bills, private credit, and other institutional-grade financial instruments. You do not have any control or ownership over Soil Ltd. funds or decisions how to use them.

Can I use the same RLUSD and XRP to join multiple vaults?+

No, each loan in RLUSD and XRP can only be loaned to Soil Ltd within one vault at a time. To diversify across multiple vaults, you would need to make separate loans for each vault.

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

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, an invitation to offer, or a legal document. The only binding legal documents are the 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

Turn your idle assetsassets into
real yield

Soil is the first XRPL-native app that lets you earn stable, secure yield on RLUSD and XRP without leaving the XRPL ecosystem.

XRP VAULT

LAUNCHING SOON

Earn yield on native XRP without leaving the XRPL ecosystem.

Add Funds

Real Yield
meets Real Assets

Find out more

Regulated Fund Structure

Soil operates through a licensed Fund of Funds in the EU — enabling compliant, institutional-grade access to real-world yield.

Real Yield from Real Assets

Fixed APRs (5–8%) are backed by short-term U.S. Treasuries, money market funds, crypto hedge fund loans, and private credit strategies.

XRPL-Native. Built for Scale.

Native RLUSD vaults, zero bridging, and XRPL wallet support. Multi-chain ready for expansion to EVM and beyond.

Regulated yield

meets theright chain

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.

Grow your bag
withSeeds

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.

SEED Snapshot (Vault-Based, Precise)

Vault Type

Example Allocation

SEED Earned

SEED Snapshot (Vault-Based, Precise)

Vault Type

Staked in all vaults?

→ Compete for extra SEED & APR Boost

Learn the System.
Maximize Your SEED.

Read the full SEED Guide

Built by XRPL builders,

for

XRPLecosystemecosystem.

You've got questions.

We've got answers.

How is yield calculated?+

What are Soil Vaults?+

What is a Fixed APR?+

Can I withdraw funds anytime?+

What happens after the capped vaults fill?+

Once a capped vault reaches its maximum capacity, new loans will be temporarily suspended. You can join a waitlist or explore other available vaults.

How do I earn SEED points?+

SEED points are earned through various platform activities including lending funds to Soil Ltd, referring users, and participating in governance activities.

Are SEED points tokens?+

SEED points are loyalty rewards within the platform ecosystem. They are not blockchain tokens but can be redeemed for various benefits and platform privileges.

What are the benefits of SEED points?+

SEED points can be used to access premium features, receive priority access to new vaults, get fee discounts, and participate in exclusive community events and governance decisions.

Where does the loan interest come from?+

Can I use the same RLUSD and XRP to join multiple vaults?+

No, each loan in RLUSD and XRP can only be loaned to Soil Ltd within one vault at a time. To diversify across multiple vaults, you would need to make separate loans for each vault.

Turn your idle assetsassets into real yield

XRP VAULT

Real Yieldmeets Real Assets

Grow your bagwithSeeds

SEED Snapshot (Vault-Based, Precise)

SEED Snapshot (Vault-Based, Precise)

Vault Type

Staked in all vaults?

Turn your idle assetsassets into real yield

XRP VAULT

Real Yieldmeets Real Assets

Grow your bagwithSeeds

SEED Snapshot (Vault-Based, Precise)

SEED Snapshot (Vault-Based, Precise)

Vault Type

Staked in all vaults?

Turn your idle assetsassets into
real yield

Real Yield
meets Real Assets

Grow your bag
withSeeds

Turn your idle assetsassets into
real yield

Real Yield
meets Real Assets

Grow your bag
withSeeds