Soil
Soil is a multi-chain DeFi yield protocol offering fixed APR vaults on stablecoins and XRP, backed by institutional credit, tokenized treasuries, and real-world assets, serving crypto-native investors and XRP holders.
- Company typePrivate
- Founded2021
- HeadquartersValletta, Malta
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Soil does
Soil is a Malta-domiciled DeFi yield protocol operating as a subsidiary of ORQO Group, offering vault-based fixed-return products on stablecoins (USDC, RLUSD) and XRP across nine EVM networks (Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, BNB Chain, Mantle, Fraxtal) and the XRP Ledger. Its product surface comprises Liquid Vaults (5% APR/APY, short-duration treasury and money market strategies), Credit+ Vaults (8% APR/APY, exposure to privately managed real estate, corporate debt, and trade finance), Yield+ Vault (7% APR, quant crypto hedge fund strategies), the XRP Vault (native yield without stablecoin conversion), and the Single Asset Vault (SAV) institutional lending primitive on XRPL. Underlying assets are curated by ORQO Asset Management, with on-chain loan administration handled by smart contracts and settlement leveraging the proposed XRPL native lending amendments XLS-65 and XLS-66.
Soil firmographics
Firmographics- Name
- Soil
- Legal name
- Soil Ltd.
- Website
- https://soil.co
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Soil is a multi-chain DeFi yield protocol offering fixed APR vaults on stablecoins and XRP, backed by institutional credit, tokenized treasuries, and real-world assets, serving crypto-native investors and XRP holders.
- Ownership category
- akta.pro rank
Soil industry classification
Industry- Product category
- DeFi Yield Protocol
- NAICS
- Open-End Investment Funds (525910), Other Financial Investment Activities (5239)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Yield Aggregators, Auto-Compounding & Strategy Vaults (DeFi Yield) (FSADAHAK)
- akta.pro secondary industries
- Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield) (FSAPAEAG), Yield Aggregators & Strategy Vaults (FSADAMAF), Lending Protocol Infrastructure (Oracles, Rate Models, Vaults) (FSADAFAN), Prime Brokerage (Multi-Asset Crypto) (FSADAJAA)
Keywords
Where Soil is headquartered
LocationHeadquarters
- HQ city
- Valletta
- HQ country
- Malta
- HQ region
- Europe
Offices1 record
Markets served
Soil business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Others
Revenue model
- Yield spread from institutional credit: Soil generates revenue from the spread between returns paid to vault depositors (5-8% fixed APR depending on vault type) and yields generated from underlying institutional credit investments including private credit funds, treasury strategies, corporate lending, trade finance, and crypto hedge funds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Liquid Vaults - 5% Fixed APR on RLUSD |
| Subscription | Pay-as-you-go | Credit+ Vaults - 8% Fixed APR on RLUSD |
| Subscription | Pay-as-you-go | Yield+ Vaults - 7% Fixed APR on RLUSD |
| Subscription | Pay-as-you-go | EVM Liquid Vault - 5% APY on USDC |
| Subscription | Pay-as-you-go | EVM Credit Vault - 8% Fixed Returns on USDC |
| Subscription | Pay-as-you-go | XRP Vault - Fixed APR on XRP |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Soil product offering
Product offeringCore offering
Soil operates a multi-chain vault-based yield protocol deployed across the XRP Ledger (XRPL) and major EVM networks, offering fixed APR returns on stablecoins (USDC, RLUSD) and XRP. Users deposit assets into tiered vaults — Liquid (5% APR/APY), Credit+ (8% APR/APY), Yield+ (7% APR), and XRP Vault — whose underlying capital is allocated by ORQO Asset Management to institutional credit strategies including private credit, tokenized treasuries, corporate debt, trade finance, and market-neutral crypto hedge funds. The protocol also includes a Single Asset Vault (SAV) for institutional capital pooling and a SEED Points loyalty program.
Product overview
Soil is a vault-based yield protocol operating across EVM networks (Ethereum, Arbitrum, Polygon, Optimism, Avalanche, BNB Chain, Mantle, Fraxtal) and the XRP Ledger (XRPL). The platform functions as a vault curator, managing on-chain vaults that deploy capital into institutional-grade strategies to generate yield paid in the same asset deposited. The product portfolio consists of four core vault types: Liquid Vaults (5% APY, flexible liquidity with short-term treasury strategies), Credit+ Vaults (8% APY, institutional credit exposure to real estate, corporate debt, and trade finance), Yield+ Vaults (7% APY, quant crypto hedge fund strategies), and XRP Vault (fixed returns for native XRP holders without conversion). All vaults share a common architecture but differentiate by network (EVM vs XRPL), asset type (USDC, RLUSD, XRP), risk/yield profile, and lock-up terms. The SEED Points loyalty program rewards early users with points redeemable for token airdrops and APR boosts.
Differentiator
Problem solved
Functional benefit
Products and services
- Liquid Vault (XRPL) Flexible yield vault on XRPL offering 5% Fixed APR on RLUSD with a 90-day notice period and 1-day cooldown. Assets are allocated across treasury strategies, money market funds, and selected institutional lending opportunities focused on capital preservation and liquidity. Designed for RLUSD holders seeking predictable on-chain yield.
- Liquid Vault (EVM) Flexible yield vault on EVM networks offering 5% APY on USDC with 3-day rolling fixed returns. Capital is deployed into treasury strategies and institutional lending focused on capital preservation and access for USDC holders.
- Credit+ Vault (XRPL) Higher-yield vault on XRPL offering 8% Fixed APR on RLUSD with a 40-day notice period. Provides access to professionally managed private credit strategies across real estate, corporate debt, and trade finance for investors seeking enhanced on-chain yield.
- Credit Vault (EVM) Higher-yield vault on EVM networks offering 8% Fixed Returns on USDC. Capital is allocated to professionally managed credit strategies across real estate, corporate lending, and trade finance.
- Yield+ Vault Vault on XRPL offering 7% Fixed APR on RLUSD by pooling user funds into a curated portfolio of institutional-grade crypto hedge funds delivering diversified quant strategies including algorithmic trading, market-neutral positioning, and volatility harvesting.
- XRP Vault Native XRP yield vault on XRPL offering fixed returns for long-term XRP holders who want yield without converting holdings into stablecoins. Operates with a 40-day notice period and keeps assets denominated in XRP within the XRP Ledger ecosystem.
- Single Asset Vault (SAV) On-chain vault structure on XRPL allowing institutions to pool capital and manage loans directly on the ledger with near-instant settlement and operational efficiency. Users deposit funds and receive MBT tokens representing their positions, enabling institutional-grade lending participation.
- SEED Points Loyalty rewards program enabling users to earn SEED points through vault allocations, referrals, and governance participation. Points provide eligibility for token airdrops, APR boosts via leaderboard rankings, and access to exclusive platform features.
Companies that use Soil
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Soil technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Soil partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- RipplecoreRipple partnership enables XRPL-native yield products. Soil is building on XRP Ledger and utilizing XRPL's proposed native lending infrastructure (XLS-65 and XLS-66 amendments) for on-chain lending and yield products.
- ORQO GroupcoreSoil is a fintech platform under ORQO Group. ORQO Asset Management handles asset selection, risk segmentation and allocation. SOIL is developed within the ORQO ecosystem combining licensed asset management experience with blockchain-native infrastructure.
- DIFC (Dubai International Financial Centre)minorPartnership with DIFC for regulatory and financial services infrastructure, enabling compliant RWA-backed yield products.
- Mount TFIminorLicensed asset management company in Poland founded by Nick Motz (Soil CIO). Focuses on Private Debt investments and has become one of the leading private debt funds in Southern Eastern Europe.
- SeedifyminorGaming and Web3 incubator/accelerator mentioned in trusted partners section.
- GameSwiftminorGaming platform partner mentioned in trusted partners section.
- Poolz FinanceminorDecentralized IDO platform mentioned in trusted partners section.
- FractalminorGaming and NFT platform mentioned in trusted partners section.
- MarketAcrossminorCrypto marketing and PR firm mentioned in trusted partners section.
- Hedman PartnersminorLegal/regulatory advisory partner mentioned in trusted partners section.
- WH PartnersminorFinancial advisory and consulting firm mentioned in trusted partners section.
- 3D OtsminorDigital asset trust and security partner mentioned in trusted partners section.
Scale indicators3 records
Expansion highlights5 records
Soil competitors and assessment
Company assessmentEmerging players
- Goldfinch: Decentralized credit protocol focused on lending to real-world SMEs in emerging markets. Comparable on RWA-backed private credit underwriting via crypto capital pools.
Direct peers
- Yearn Finance: Pioneer DeFi yield aggregator offering automated vault strategies across EVM chains. Direct comparable on vault architecture and yield-strategy product model.
- Pendle Finance: Yield tokenization and structured yield product protocol. Comparable on multi-strategy yield packaging and institutional-grade product design.
- Centrifuge: RWA tokenization protocol connecting real-world assets (invoices, real estate) to on-chain liquidity. Comparable RWA-yield infrastructure thesis.
- Beefy Finance: Multi-chain yield optimizer offering auto-compounding vaults across EVM networks. Comparable on multi-chain vault strategy deployment model.
- Ondo Finance: Tokenized US Treasuries and RWA-backed yield products aimed at institutional and crypto-native investors. Closest comparable as a regulated RWA-yield protocol pursuing similar stablecoin yield markets.
- Morpho: Lending optimization layer building on top of lending primitives with curated vaults. Direct comparable on improved lending yield through specialized vault structures.
- Maple Finance: Institutional-grade on-chain private credit market with undercollateralized lending to SMEs. Closest match on the credit-vault / private-credit underwriting model.
Broad incumbents
- Aave: Largest on-chain lending protocol with deep TVL and broad multi-chain presence. Comparable on lending infrastructure and multi-chain vault-style product distribution.
- MakerDAO / Sky: Decentralized RWA protocol with significant treasury allocation to tokenized real-world assets. Comparable on institutional-grade RWA yield strategy at scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Soil social profiles
Digital presenceSoil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Soil leadership team
Management profileNumber of profiles
Profiles4 records
Soil funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Soil M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Soil
What does Soil do?
Soil operates a multi-chain vault-based yield protocol deployed across the XRP Ledger (XRPL) and major EVM networks, offering fixed APR returns on stablecoins (USDC, RLUSD) and XRP. Users deposit assets into tiered vaults — Liquid (5% APR/APY), Credit+ (8% APR/APY), Yield+ (7% APR), and XRP Vault — whose underlying capital is allocated by ORQO Asset Management to institutional credit strategies including private credit, tokenized treasuries, corporate debt, trade finance, and market-neutral crypto hedge funds. The protocol also includes a Single Asset Vault (SAV) for institutional capital pooling and a SEED Points loyalty program.
Is Soil a public or private company?
Soil is a private company. It is classified as corporate owned and is currently operating.
When was Soil founded?
Soil was founded in 2021. It employs 1 to 10 people.
Where is Soil based?
Soil is headquartered in Valletta, Malta, in the Europe region.
How does Soil make money?
One revenue line is on record: yield spread from institutional credit.
Who are Soil's main competitors?
Goldfinch is listed as an emerging player. Direct peers are Yearn Finance, Pendle Finance, Centrifuge, Beefy Finance, Ondo Finance, Morpho and Maple Finance. Broad incumbents are Aave and MakerDAO / Sky.
Does Soil have an API?
No public API is recorded for Soil.
What industry is Soil in?
Soil's product category is DeFi Yield Protocol. Its primary akta.pro industry code is FSADAHAK, Yield Aggregators, Auto-Compounding & Strategy Vaults (DeFi Yield), with a secondary code of FSAPAEAG, Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield). Its NAICS code is 525910 and its SIC code is 6199.