SOIL — Real Institutional Yield On-Chain

SOIL Rewards Proposal

All active voters will gain a 1.25x APR multiplier on their current positions.

Vote & Earn Rewards
XRP Ledger

XRP

5%

Fixed
APR

Liquid

RLUSD

5%

Fixed
APR

Credit

RLUSD

8%

Fixed
APR
EVMs Ethereum, Evmos, Polygon, Arbitrum, Optimism, Base, Avalanche, BNB Chain, and Mantle

Liquid

USDC

5%

Fixed
APR

Credit

USDC

7-8%

Fixed
APR
Ripple
XRP Ledger
XRPL EVM Sidechain
Securitize
DIFC
Hacken
Hedman
Big Brain Holdings
Ink Foundation
Ripple
XRP Ledger
XRPL EVM Sidechain
Securitize
DIFC
Hacken
Hedman
Big Brain Holdings
Ink Foundation
Ripple
XRP Ledger
XRPL EVM Sidechain
Securitize
DIFC
Hacken
Hedman
Big Brain Holdings
Ink Foundation

{ About }

The credit layer for digital assets

Built across networks

Ethereum, Base, Polygon, Arbitrum, Optimism, Mantle, Avalanche, BNB Chain, and Fraxtal

SOIL connects stablecoins and digital assets to institutional credit markets, transforming real-world financial opportunities into compliant on-chain yield.

Backed by Real Assets

Fixed returns sourced from institutional credit, treasury strategies and real-world financial activity.

Infrastructure, Not Incentives

Asset selection, risk segmentation and allocation sit with ORQO Asset Management.

Built for Digital Markets

Designed for XRPL, EVM and future blockchain networks as digital capital markets evolve.

Governed by Expertise

Structured with regulated partners, professional underwriting and proven asset management expertise.

Backed by Institutional Expertise

SOIL is developed within the ORQO ecosystem, combining licensed asset management experience with blockchain-native infrastructure.

Find out more about ORQO

Trusted partners

{ Team }

The team built to bridge TradFi and Blockchain

Jakub Bojan

Jakub Bojan

Chief Executive Officer

M&A and growth strategy expert, ex-EY/PwC; since 2017 in DeFi and crypto capital.

Nick Motz

Nick Motz

Chief Investment Officer

Founder of Mount TFI, 12+ years in credit, ex-Aabar Investments, Forbes 30U30, Harvard PLD.

Mateusz Mach

Mateusz Mach

Chief Tech Officer

Forbes 30 Under 30 laureate, NYU Abu Dhabi graduate, Forbes contributor, founder of Nextrope,

Michał Maciuk

Michał Maciuk

Chief Marketing Officer

Entrepreneur with 20+ years in media, fintech, and crypto; founder of Flexee, with multiple successful exits.

20+

years in traditional finance

10+

years in digital assets

$1B+

completed transactions

{ PRODUCTS }

Yield built for different capital needs.

Choose flexible liquidity, credit exposure, or native XRP yield.

Liquid Vaults

  • USDC RLUSD
  • 5% Fixed APR
  • XRP Ledger Ethereum, Arbitrum, Polygon, Optimism, Avalanche, and more

Flexible yield. Short-term liquidity.

Liquid Vaults are designed for investors who want stable yield while keeping access to their capital. Assets are allocated across treasury strategies, money market funds and selected institutional lending opportunities focused on capital preservation and liquidity.

Liquid vaults offer the most flexible way to earn on USDC and RLUSD while keeping your capital accessible and protected.

Explore on XRPL Explore on EVM

Credit Vaults

  • USDC RLUSD
  • 8% Fixed APR
  • XRP Ledger Ethereum, Arbitrum, Polygon, Optimism, Avalanche, and more

Higher yield from institutional credit.

Credit+ Vaults provide access to professionally managed private credit strategies across real estate, corporate debt and trade finance — designed for investors seeking enhanced yield with defined lock-up periods.

Credit+ vaults target higher returns through institutional credit exposure while maintaining transparent on-chain access to your position.

Explore on XRPL Explore on EVM

XRP Vault

  • XRP
  • 5% Fixed APR
  • XRP Ledger

Native XRP yield. No conversion required.

Built for long-term XRP holders who want yield while staying denominated in XRP. Earn fixed returns without converting your holdings into stablecoins or leaving the XRP Ledger ecosystem.

The XRP Vault is the simplest way to put idle XRP to work with predictable fixed yield on XRPL.

Explore on XRPL

{ FAQ }

Built on Transparency

Answers to the most common questions about our products, risk framework, and yield generation.

Still have questions? Join us on Discord or Telegram.

  • What is Soil?

    Soil is a blockchain-based lending protocol that bridges the gap between traditional finance and the crypto world, reshaping corporate debt and fixed-income investments. It is a debt marketplace where established companies can obtain financing, and crypto investors can lend their stablecoins to earn yield derived from Real World Assets that exist off-chain.

  • How do I interact with Soil protocol?

    To interact with the Soil protocol, you choose a lending pool based on your preferred return and duration. Then, you deposit your stablecoins (USDC) to start earning a passive income. Furthermore, if you hold the Soil token, you can lock your coins on the protocol to boost your total yield (APY) in the lending pool.

  • What are the costs of using Soil Protocol?

    Using the protocol involves Polygon blockchain transaction fees, which vary based on network conditions and transaction complexity.

  • How is the yield generated?

    The yield generated on stablecoins from the lending pools comes from the interest paid on loans extended to companies, specifically Small and Medium-sized Enterprises (SMEs), by private debt fund managers. These loans are customized to meet the unique growth requirements of each company.

  • Are the loans collateralized?

    Yes, all loans approved by private debt fund managers are fully collateralized by Real World Assets, supported by a wide range of legal documents. These loans are closely monitored, each with specific covenants. Examples of collateral for these loans include registered pledges on shares and assets, mortgages on plots and assets, personal guarantees, submission to enforcement, sureties for parent companies or other entities, escrow accounts, and assignments of loans.

  • Why are you financing SMEs?

    Small and Medium Enterprises (SMEs) play a crucial role in driving economic growth in any country, often contributing up to 50% of the GDP (gross domestic product) growth. However, these enterprises frequently struggle to access external capital to expand and enhance their productivity. Traditional banks, constrained by regulatory frameworks, tend to be slow, inflexible, and inefficient in providing financing to SMEs. Soil recognizes this misallocation of resources and strives to bridge this gap. SMEs are not only vital for economic growth but also serve as hubs of entrepreneurship, innovation, and job creation.

  • Why are banks not financing all SMEs?

    Commercial banks encounter significant challenges when it comes to lending to small businesses. These challenges primarily include the absence of a banking or credit history that would grant SMEs easy access to funds from commercial banks. Additionally, many SMEs lack clear collateral to secure their financing. Banks often lack flexibility and do not explore creative financing solutions. This is where private debt funds step in, offering customized solutions to help finance these companies.

  • What are some examples of the companies you finance?

    We finance a variety of small to medium-sized enterprises, including but not limited to medical centers, furniture producers, manufacturing plants, real estate developers, and many others.

  • What risk management systems have been implemented?

    At the protocol level, we have a built-in guarantee fund, operating through a smart contract, which serves to mitigate potential losses on deposits and acts as a safeguard against chain-related risks. These reserves are funded by a percentage of the protocol's profits and are held in separate accounts. All loans facilitated by the protocol maintain a high level of collateralization and are subject to regular covenant monitoring by fund managers.

{ Contact }

Let's Stay Connected

SOIL LTD.

115B, Suite 3, Old Mint Street, Valletta, Malta, Registration no. C106889

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