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Be Early and Earn
RLUSD Rewards

bracketClaim your share of the 1,000,000 RLUSD allocation exclusively for early XRP Vault participants.bracket
RLUSD
8%
APYRLUSD
90-day notice - 10-day cooldown
BONUS: 20 SEED
Multiplier: 2X
Pool funds are invested in private credit funds, Higher return, longer lock-up, Backed by...arrow

Choose your commitment

RLUSD

Minimum allocation: $10 RLUSD

Allocation fee: $1 RLUSD

XRP Vault Background
XRP Logo

XRP VAULT

LAUNCHING SOON

Earn yield on native XRP without leaving the XRPL ecosystem.

Add Funds
XRPL EVM Sidechain
XRP Ledger
DIFC
XRPL EVM Sidechain
XRP Ledger
DIFC

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
01
Regulated Fund Structure
Soil operates through a licensed Fund of Funds in the EU — enabling compliant, institutional-grade access to real-world yield.
02
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.
03
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
XRPL Logo

SOIL is building on XRPL to tap into its fast, compliant, and scalable ecosystem for institutional yield.

01

Deep Liquidity

Native XRPL DEX and AMM infrastructure ensures smooth asset flow for RLUSD and XRP pairs.

02

RLUSD & XRP

RLUSD delivers regulated stablecoin liquidity. XRP brings $100B+ in liquid capital seeking yield.

03

Low Fees, High Speed

Near-instant finality and negligible gas make XRPL ideal for capital efficiency.

04

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
LIQUID (1×)
1,000RLUSD
31.25 SEED
CREDIT (2×)
1,000RLUSD
50 SEED

SEED Snapshot (Vault-Based, Precise)

Vault Type

LIQUID (1×)
Example Deposit1,000 RLUSD
SEED Earned31.25 SEED
Base APR Boost PotentialUp to +1%
CREDIT (2×)
Example Deposit1,000 RLUSD
SEED Earned50 SEED
Base APR Boost PotentialUp to +2%

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.
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You've got questions.

We've got answers.

You start earning yield immediately after loaning funds to Soil Ltd. using a chosen vault.
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.
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

© 2026 SOIL Ltd

Privacy Policy Terms of Service

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