RLUSD Gains RWA Yield as Soil Expands to XRP Ledger

RLUSD is picking up a new use case as Soil expands to the XRP Ledger, giving stablecoin holders a way to earn fixed returns backed by tokenized real world assets.

Key Takeaways

• Soil launched what it calls the first compliant real world asset backed yield protocol on the XRP Ledger for RLUSD deposits.
• The first $1 million in asset pools was filled in under 72 hours, showing early demand for regulated yield products.
• Yield is generated from instruments like private credit, tokenized Treasuries, and market neutral hedging strategies, not from volatile crypto lending.
• The protocol is built by ORQO Group, which holds regulatory licenses in Poland and Malta, and has deployed across Polygon, BNB Chain, and Arbitrum.

What Happened?

Soil, a fintech platform developed by ORQO Group, has launched an RLUSD yield protocol on the XRP Ledger. The project says it allows RLUSD holders to deposit into on chain vaults that generate fixed returns backed by real world assets, and its first $1 million pool filled in less than three days.

Soil’s RLUSD Vaults Bring Fixed Income On Chain

Soil’s core pitch is simple: deposit RLUSD into on chain Yield Vaults, and receive returns that come from low volatility strategies tied to the traditional financial system. Instead of relying on typical decentralized finance lending markets, the protocol routes capital into assets and strategies designed to behave more like fixed income.

Based on details shared with The Block and other reporting, the vaults are backed by a mix that can include:

• Private credit
• Tokenized Treasuries
• Market neutral hedge funds and hedging approaches

This matters because stablecoin holders often want yield without taking on large swings in token prices. A structure linked to real world assets aims to deliver more predictable results, at least compared with many crypto native yield products.

Why XRPL, and Why Now?

ORQO Group said it chose the XRP Ledger for practical reasons, pointing to near instant transaction finality and negligible fees. For users, that can make depositing, withdrawing, and moving funds feel closer to a mainstream payments experience than the slower and more expensive workflows seen on some networks.

The timing is also notable. Soil has been operating for about three years across Ethereum Virtual Machine networks including Polygon, BNB Chain, and Arbitrum, and says the XRPL deployment is now finalized. By moving onto XRPL, the team is signaling that the network is becoming a more serious venue for tokenized assets and yield infrastructure, not only payments.

Compliance And ORQO’s Regulatory Setup

Real world asset products live or die on trust, custody, and compliance. Soil is developed by ORQO Group, which reports holding regulatory licenses in Poland and Malta. The company also said it manages roughly $300 million in assets and is establishing a global headquarters in Abu Dhabi.

The compliance angle is central to how Soil is positioning itself. It calls the protocol the first compliant yield product of its kind on XRPL, which is meant to appeal to users looking for yield products that can stand up better to regulatory scrutiny than anonymous, purely crypto native alternatives.

Early Demand And What Comes Next

The early traction has been one of the biggest headlines. Multiple reports, including The Block, said the first $1 million liquidity pool was fully subscribed within 72 hours. Soil also expects additional asset pools to arrive in the coming weeks.

ORQO frames this as part of a bigger stablecoin trend. Industry forecasts cited in coverage suggest the stablecoin market could grow dramatically over the next few years, and the firm argues that yield infrastructure will be a key layer. As Nick Motz, CEO of ORQO Group and CIO of Soil, put it:

CoinLaw’s Takeaway

I see this as a smart move for both Soil and XRPL because it gives RLUSD a job beyond payments. In my experience, stablecoins become sticky when users can actually do something useful with them, especially something that feels closer to traditional finance returns. The fast sellout of the first pool tells me there is real appetite on XRPL for products that look and feel more regulated. If Soil can keep transparency high on what backs the yield, and if the returns stay competitive, this could become one of the clearest examples of real world assets making decentralized finance feel less like a casino and more like a financial tool.

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