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For years, XRP and RLUSD held in a wallet could do little more than sit idle. That now changes. D'CENT is integrating Soil, an institutional-grade real-world-asset (RWA) yield platform, allowing you to put your XRP and RLUSD to work — earning fixed, real-world-backed yield without leaving your wallet, and without giving up your keys.
TL;DR
- Earn fixed, RWA-backed yield on XRP and RLUSD, directly inside D'CENT — no exchange, no surrendering custody.
- Soil is the fintech division of ORQO Group (~$370M AUM) and launched via Ripple's XRPL Launch Program — grant-backed, powered by the DIFC, with partners like Mount TFI and Securitize.
- Yield runs through a regulated, licensed EU fund — a quick KYC provides genuine oversight and a yield you can rely on.
- This is real RWA utility: previously idle assets, made productive — with self-custody intact throughout.
What Is Soil?
Soil is the first regulated yield protocol on XRPL — delivering a 5–8% fixed APR through vaults backed by U.S. Treasuries, private credit, and institutional loans. No algorithms. No bridges. Just real-world yield, derived from loans to hedge funds, money-market funds, and U.S. T-Bills. It lets you earn fixed yield on assets like USDC (EVM chains), RLUSD, and XRP — real-world income, not token emissions. Built by ORQO Group, a global institutional asset manager with ~$370M in assets under management.
Soil at a glance
| Soil Protocol | Detail |
|---|---|
| Yield source | U.S. Treasuries, private credit & institutional loans (hedge funds, money-market funds, T-Bills) |
| Fixed APR | 5–8% — real-world yield, uncorrelated with crypto markets |
| Track record | 3 years across Polygon, Ethereum, BNB Chain, Arbitrum |
| XRPL launch | $1M RLUSD pools filled in under 72 hours |
Figures based on Soil / ORQO Group public disclosures. Yield is variable and not guaranteed.
Who's Backing Soil?
Soil is not a typical DeFi protocol. It is the fintech division of a consolidated institutional group, and it launched on the XRP Ledger through Ripple's own program. The structure behind it is as follows:
| Backer | Role |
|---|---|
| ORQO Group | Parent holding company — a global institutional asset manager with ~$370M AUM, EU-licensed (KNF Poland, MFSA Malta) and headquartered in Abu Dhabi (ADGM). Soil is its fintech division. |
| Ripple | Strategic ecosystem backer — Soil joined Ripple's XRPL Launch Program (grant-backed, powered by the DIFC) as a premier compliant yield protocol for RLUSD. |
| Securitize | A trusted partner — a leading platform for regulated, tokenized real-world assets. |
| Mount TFI | The traditional-finance engine — a regulated EU fund manager with 20+ years' experience and $1B+ in closed transactions, handling off-chain underwriting and risk. |
What this means for you: with traditional-finance underwriting (Mount TFI), institutional licensing (ORQO Group), and a launch through Ripple's own program, Soil rests on infrastructure that established institutions have already vetted — not an anonymous yield farm.
Regulated by Design — and Why That Matters
Most on-chain yield asks you to simply trust the code. Soil operates differently: it runs through a licensed Fund-of-Funds structure in the EU. That requires a quick, one-time KYC before you deposit — and the trade-off is worth it:
| What regulation adds | What you get back |
|---|---|
| A one-time KYC step | Access to a real, licensed fund — not an anonymous pool |
| EU Fund-of-Funds oversight | Audited structure, legal accountability, investor protections |
| More rules | More safety — and a contractually defined, fixed yield |
More regulation here doesn't mean more risk.
It means more safety — and a yield you can count on.
Why This Integration Matters (For You)
Yield has long been a primary reason users leave self-custody, moving assets onto exchanges and centralized platforms simply to earn. This integration removes that trade-off. As a long-standing supporter of the XRP Ledger and a partner to projects building real utility across the XRP ecosystem, D'CENT can now bring that yield directly into the wallet you already control.
Your XRP and RLUSD shouldn't sit idle.
Now they don't have to.
In practice, that means:
- Put XRP and RLUSD to work — earn fixed, real-world-backed yield on assets that, until now, simply sat in your wallet.
- Stay within D'CENT — deposit into Soil's regulated vaults directly from your wallet, with no bridging, no exchange account, and no surrendering of your keys.
- Real utility, real backing — returns are derived from real-world credit and money market strategies, uncorrelated with daily crypto market movements.
- A clear, fixed term — because real-world assets require time to generate returns, deposits commit for a defined window. For XRP, the lock-up is 40 days — short and defined, and precisely what allows the yield to remain fixed rather than fluctuating.
This is what RWA was intended to deliver: the real-world economy, made accessible from your wallet. Real utility, now within reach.
A note on risk: all yield carries risk. Real-world-asset returns depend on the performance of the underlying instruments and are not guaranteed. Always review the terms in-app and only commit what you're comfortable with.
Where to Find Soil in D'CENT
Getting started takes only a few steps, with no bridging and no separate app:
- Open the Discovery tab in your D'CENT app.
- Tap Soil.
- Connect your wallet.
- Enter your email to subscribe and stay in the loop.
- Complete a quick KYC with your identity document — a one-time step, since Soil runs through a regulated EU fund.
- Pick your vault, deposit your XRP or RLUSD, and start earning.
Throughout the process, your assets remain in your self-custody wallet.
What's Next?
The Soil integration signals where D'CENT is headed: secure self-custody that is also genuinely productive. Importantly, it builds on a clear pattern — after opening new opportunities for the XRP community through our Flare integration, real-world yield with Soil is the latest step in putting your XRP to work.
After Flare, now real-world yield —
D'CENT keeps expanding what your XRP can do.
Further collaborations and campaigns across the XRP ecosystem are already underway. With more than 1.05 million users worldwide, D'CENT will continue building toward a wallet that is not only secure to hold, but a genuine gateway to putting your assets to work. More announcements will follow.
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Explore D'CENT Wallet →FAQ
What is Soil?
Soil is an on-chain yield platform that brings institutional-grade lending strategies to crypto users. It lets you earn fixed yield on assets like USDC (EVM chains), RLUSD, and XRP through regulated vaults backed by real-world credit, money market strategies, and professional asset management. Built by ORQO Group, it launched the first compliant RWA-backed yield protocol on the XRP Ledger in February 2026.
Who backs Soil?
Soil is the fintech division of ORQO Group, a global institutional asset manager (~$370M AUM, EU-licensed, headquartered in Abu Dhabi's ADGM). It launched on the XRP Ledger through Ripple's XRPL Launch Program — powered by the DIFC and grant-backed. Off-chain underwriting is handled by Mount TFI (a regulated EU fund manager with $1B+ in closed transactions), with trusted partners including Securitize.
Do I keep self-custody, and is KYC required?
You keep full self-custody — you interact with Soil's vaults directly from D'CENT without ever surrendering your keys. A one-time KYC is required because Soil runs through a regulated, licensed EU fund — and that oversight is exactly what makes the yield safer and more predictable.
Is there a lock-up period?
Yes. Because the yield comes from real-world assets that take time to generate returns, deposits commit for a defined term. For XRP, the lock-up period is 40 days — a fixed window that's what allows the yield to stay predictable rather than fluctuating daily.
Which assets are supported, and what yield can I expect?
Through D'CENT, you can earn on RLUSD and XRP (Soil also supports USDC on EVM chains). Soil delivers a 5–8% fixed APR, sourced from U.S. Treasuries, private credit, and institutional loans — largely uncorrelated with crypto volatility. Always check the live terms in-app, as returns are variable and not guaranteed.
