Abu Dhabi, United Arab Emirates, February 9th, 2026, Chainwire
Institutional fundraising and loan management are often fragmented across banks, custodians, and internal systems, resulting in manual reconciliation, delayed risk assessment, and operational bottlenecks. SAV is designed to address these obstacles by aggregating capital into a unified on-chain structure, thus creating a single source of truth for deployed assets and loan performance.
Through SAV, institutional lenders can pool capital denominated in RLUSD directly on the XRPL, enabling near-instant settlement and predictable transaction costs. By consolidating fundraising into a single asset on one ledger, the vault structure reduces operational friction once capital deployment begins.
“We are on the verge of Web3 supporting real, high volume institutional workflows, not just technical primitives,” said Nick Motz, CEO of ORQO Group and CIO of Soil. “By recording loan activity directly on-ledger while maintaining off-chain underwriting and risk controls, we are significantly reducing operational overhead and safeguarding institutional standards.”
The SAV operates in conjunction with the XRPL Lending Protocol to record and enforce core loan lifecycle events on-ledger, including loan creation, interest accrual, and repayment tracking. Credit underwriting, borrower assessment, and risk management remain off-chain, consistent with institutional lending practices. Accounting and reporting are derived directly from the ledger, enabling continuous visibility into loan balances, due dates, and exposure without reliance on manual spreadsheets.
Soil’s implementation follows a compliant hybrid model designed for regulated participation. Single Asset Vaults can be permissioned using domain-level controls, allowing identity verification, KYC and KYB processes, and wallet screening to remain in place while settlement and accounting occur on-chain. This structure allows institutions to benefit from blockchain efficiency without adopting anonymous or automated DeFi lending models.
Using permissioned SAVs and fixed-term lending rules, Soil aggregates RLUSD from institutional lenders such as family offices and fund managers. The pooled capital is deployed into institutional strategies including money market funds and private credit, with a target yield range of approximately 8% APR. The XLS-66 amendment is pending mainnet activation, but Soil has already begun building on XRPL, with a planned demonstration of fund flows.
Soil’s Single Asset Vault is a foundational product step toward automated, scalable on-chain asset management. For the XRPL ecosystem, this provides a concrete use case of how native lending primitives can support compliant, institutional-grade credit markets.
About 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. Soil makes money by taking a percentage of the interest paid by borrowers to lenders and fees earned from facilitating their connection.
About ORQO Group
Jakub Bojan
