Soil Brings Real-World Asset Yields to XRPL, Giving RLUSD Holders a New Way to Earn

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Stablecoin holders on Ripple's XRP Ledger now have access to fixed-yield opportunities backed by traditional financial assets, following the launch of Soil's protocol on the network.

Soil, a lending protocol developed by Abu Dhabi-based institutional asset manager ORQO Group, went live on XRPL this week after its initial $1 million asset pools were fully subscribed in less than 72 hours. Additional pools are expected to open in the coming weeks.

The protocol allows holders of RLUSD, Ripple's stablecoin, to deposit funds into on-chain Yield Vaults. Returns are generated through low-volatility instruments such as private credit, tokenized treasuries, and market-neutral hedge fund strategies.

Why XRPL?

Soil has operated across Ethereum Virtual Machine networks including Polygon, Ethereum, BNB Chain, and Arbitrum for three years. The move to XRPL represents the protocol's first deployment outside the EVM ecosystem.

The decision came down to infrastructure fit. XRPL offers near-instant transaction finality and minimal fees, which matter for capital-efficient, high-volume operations. The chain's compliance-friendly design also aligns with ORQO Group's emphasis on regulatory readiness.

For RLUSD holders specifically, the integration creates something that didn't previously exist on XRPL: a compliant pathway to earn institutional-grade, asset-backed returns on their stablecoin holdings.

A Broader Stablecoin Shift

The timing of the launch reflects a wider industry trend. Industry forecasts project the stablecoin market could hit $2 trillion by 2028, driven by regulatory clarity, mainstream adoption, and consolidation among major players.

Nick Motz, CEO of ORQO Group and CIO of Soil, pointed to this growth as a core reason for the expansion. "The stablecoin market's transition toward a multi-trillion-dollar ecosystem requires the right infrastructure to deliver institutional-grade yield at scale," he said. "Our expansion onto XRPL leverages our track record to directly integrate transparent, asset-backed yield into the platform."

Motz added that the move reinforces the broader role stablecoins are playing in global finance, particularly under the direction of established players like Ripple.

How Soil Works

At its core, Soil operates as a debt marketplace. Established companies use the platform to access financing, while crypto investors lend stablecoins and earn yield generated from real-world assets that exist off-chain. Soil's revenue comes from a cut of the interest borrowers pay to lenders, along with fees for facilitating those connections.

ORQO Group, which manages approximately $300 million in assets, holds licenses in Poland through the KNF and in Malta through the MFSA. The firm is currently establishing its global headquarters in Abu Dhabi. Its portfolio spans private credit, public equities, digital hedge fund strategies, DeFi yield solutions, and tokenized real estate.

With the XRPL deployment now live and initial pools already filled, the next test will be whether sustained demand follows, and whether RLUSD holders treat yield access as a reason to stay on the network long term.