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Credit+8%fixed APR
RLUSD
RLUSD
-️ Native RLUSD vault - earn yield on your RLUSD holdings.
Bonus:
40 SEED
Multiplier: 3X
CREDIT+Institutional Returns, Simplified
In Credit+, Soil generates institutional grade returns through investments in carefully selected Private Credit Funds. These funds finance real estate projects, corporate debt, and global trade - providing you with stable, uncorrelated yield.
Why choose Credit+?
-️ High fixed APR: 8%
-️ Backed by real assets and collateral
-️ For investors comfortable with lockups
Where your yield comes from
Credit+ yield is purely from real-world private credit markets, insulated from crypto volatility.
In Credit+ pool, Soil generated yield through a diversified pool of Private Credit Funds, including:
Real Estate Credit:
Senior secured loans for property developments.
Corporate Lending:
Loans to established businesses across various sectors.
Trade Finance:
Financing short-term trade transactions with asset backing.
These investments are:
- Collateralized or covenant-protected
- Diligently reviewed by SOIL's private credit team
- Spread across global markets for risk diversification
Credit+ yield is purely from real-world private credit markets, insulated from crypto volatility.Grow your bag
withSeeds
Before Soil's mainnet launch, early users can grow more than just yield — they earn SEED Points.
Visit the Rewards Center
By allocating into the CREDIT vault, you'll earn:
- 40 SEED instant bonus
- 3X multiplier on every allocation
Formula:SEED = (Allocation ÷ 100) × 3
Plus
Eligibility for token airdropsAPR boosts via SEED LeaderboardAccess to exclusive features
Eligibility for token airdropsAPR boosts via SEED LeaderboardAccess to exclusive featuresYield 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.
Vaults are lending pools that allow you to lend RLUSD and XRP token 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, Crypto Hedge Funds and other instruments that pass internal treasuries policies.
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.
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.
Once a capped vault reaches its maximum capacity, new loans will be temporarily suspended. You can join a waitlist or explore other available vaults.
SEED points are earned through various platform activities including lending funds to Soil Ltd, referring users, and participating in governance activities.
SEED points are loyalty rewards within the platform ecosystem. They are not blockchain tokens but can be redeemed for various benefits and platform privileges.
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.
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.
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
