Coming Soon
Credit+8%fixed APR
RLUSD
RLUSD
-️ Native RLUSD vault - earn yield on your RLUSD holdings.
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.Interest is calculated and recorded once per day at 8:00 PM UTC, and accrues only on completed Interest Cycles. A full Interest Cycle is defined as a continuous 24-hour period between 8:00 PM UTC and 8:00 PM UTC the following day during which a loan is active. Because of this, if you extend a loan before 8:00 PM UTC, your first interest accrual will be recorded at 8:00 PM UTC on the following day. However, if you extend a loan after 8:00 PM UTC, your first interest accrual will be recorded at 8:00 PM UTC two days later, once your first full Interest Cycle has been completed.
Soil Vaults are on-chain lending pools through which you may extend loans denominated in RLUSD or XRP to Soil Ltd. and earn a variable loan interest rate (Variable APR).
Soil Ltd., acting as borrower, allocates borrowed funds to a diversified portfolio of on-chain and off-chain investments, including Money Market Funds (MMFs), U.S. Treasury bills (T-bills), private credit funds, crypto hedge funds, and other instruments.
Participation in a Vault constitutes a loan to Soil Ltd. and does not represent a deposit, an investment fund unit, or any ownership interest in Soil Ltd. or its underlying assets.
The APR (Annual Percentage Rate) refers to the variable annual rate of interest applicable to a specific Vault. It is initially set at the rate displayed on the protocol's website for that Vault as of the date this Agreement is entered into. Thereafter, the APR is subject to daily revisions that may result in an increase or decrease in accordance with the Company's objectives and rate methodology reflecting market conditions. The applicable Variable APR shall be applied fairly, transparently, and in good faith, and will remain publicly available on the Company's official website.
Withdrawal terms vary by Vault type, and specific details regarding any applicable Notice Period and Cooldown Period are always provided for each particular Vault.
When you submit a withdrawal request on your Dashboard, a Notice Period (if applicable) commences immediately, during which your funds continue to accrue interest.
The Cooldown Period then begins immediately after the Notice Period ends. If the specific Vault does not require a Notice Period, the Cooldown Period begins immediately upon submitting your withdrawal request. During the Cooldown Period, your capital no longer accrues interest while repayment is being processed.
Once the required Notice Period and Cooldown Period have concluded, you may withdraw your funds by submitting a payout request in your Dashboard.
Once a capped Vault reaches its maximum capacity, the acceptance of new loans is temporarily suspended. You may register on the waitlist for that Vault or consider other Vaults that remain open, subject to their respective terms.
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
