XRP Ledger Surpasses Solana in RWA Tokenization as Soil Launches Yield Protocol

• Soil launched a compliant RWA-backed yield protocol on XRP Ledger for RLUSD, attracting $1M in deposits within 72 hours.
• RLUSD holders access on-chain Yield Vaults offering fixed returns from private credit, tokenized government debt, and market-neutral hedge funds.

ORQO Group, an institutional asset manager and technology platform focused on traditional finance and blockchain, announced that its fintech platform Soil has gone live on Ripple’s XRP Ledger. Soil describes the protocol as the first compliant yield product on XRPL backed by real-world assets for RLUSD holders.

🟢 SOIL VAULTS ARE LIVE.

💧 Liquid Vault: 5% APR. Max liquidity. T-Bills & MMFs.
🏦 Credit Vault: 7% APR. Private Credit-backed.

No more caps. No more limits. Just real yield.
Commit your $RLUSD: https://t.co/5fKeaICODZ pic.twitter.com/MXM3XSajtp

— Soil (@soil_farm) February 19, 2026

The rollout on XRP Ledger has already drawn early demand. Users filled asset pools worth $1 million in less than 72 hours, with further pools planned in the coming weeks. RLUSD holders gain access to institutional-grade returns backed by traditional assets through Soil’s on-chain structure. Soil operates as a blockchain-based lending protocol that connects corporate borrowers and crypto lenders. Established companies can request funding through debt instruments, while stablecoin owners lend funds and receive yield linked to off-chain corporate debt and fixed-income products recorded through tokenized structures. Yield Vaults and Stablecoin Growth Outlook Soil builds on a three-year record of delivering stable, risk-adjusted yield on Ethereum-compatible networks such as Polygon, Ethereum, BNB Chain, and Arbitrum. Deployment on XRP Ledger extends the role of RLUSD from a payment-focused token toward an asset designed for consistent, asset-backed return within ORQO Group’s on-chain strategy. Through Soil’s protocol, RLUSD can be placed into on-chain Yield Vaults that aim for fixed returns. Yield stems from low-volatility financial instruments, including private credit, tokenized government debt, and hedge funds that target market-neutral strategies. The project sits within a larger shift in the stablecoin sector. Forecasts point to stablecoins reaching a market size of $2 trillion by 2028, supported by broader adoption, clearer rules, and consolidation among major issuers. Nick Motz, CEO of ORQO Group and CIO of Soil, said:

“The stablecoin market’s transition toward a multi-trillion-dollar ecosystem requires the right infrastructure to deliver institutional-grade yield at scale. Our expansion onto XRPL leverages our track record to directly integrate transparent, asset-backed yield into the platform.”

Single Asset Vault structure for institutional lenders Earlier in the month, ORQO Group also introduced a Single Asset Vault on XRP Ledger for institutional users. The structure supports Soil’s role as an early institutional adopter of the planned XLS-66 amendment, aiming to give large lenders a clearer method to manage capital and on-chain lending activity. Institutional fundraising and loan oversight often sit across banks, custodians, and internal systems, with manual reconciliation, slower risk checks, and operational bottlenecks. Single Asset Vault design responds by pooling capital inside one on-chain structure, creating a single source of truth for deployed assets, outstanding loans, and performance data. Through Single Asset Vault, institutional lenders can pool RLUSD directly on XRP Ledger, gaining near-instant settlement and predictable transaction costs. Fundraising occurs through one asset on one ledger, which reduces friction once deployment begins.