Catenaa, Thursday, February 12, 2026-ORQO Group’s fintech platform Soil has introduced a Single Asset Vault (SAV) on the XRP Ledger (XRPL), streamlining institutional capital aggregation and on-chain lending.
The vault enables lenders to pool capital denominated in RLUSD directly on the XRPL, supporting near-instant settlement and predictable transaction costs.
By consolidating fundraising into a single on-chain structure, SAV reduces operational bottlenecks and provides continuous visibility into loan balances, interest accrual, and repayment tracking.
Soil combines on-ledger recording of loan lifecycle events with off-chain underwriting, risk management, and credit assessment, allowing institutions to maintain standard compliance practices while benefiting from blockchain efficiency.
Permissioned controls support identity verification, KYC/KYB processes, and wallet screening, making SAV suitable for regulated participation.
The platform targets institutional strategies such as money market funds and private credit, offering pooled capital yields of roughly 8% APR. SAV’s design also aligns with the upcoming XLS-66 XRPL amendment, which will further enhance native on-chain lending capabilities.
ORQO Group CEO Nick Motz described the product as a step toward high-volume institutional workflows on Web3, bridging traditional finance and blockchain while safeguarding operational standards.
Soil’s vaults aim to make real-world asset lending scalable, automated, and compliant for family offices, fund managers, and other institutional participants.
Soil operates as a hybrid protocol, charging fees on interest paid by borrowers to lenders and for facilitating capital deployment.
ORQO Group, with roughly $300 million in assets under management and licenses in Poland and Malta, supports a range of regulated investment strategies including tokenized real estate, digital hedge funds, and DeFi yield solutions.
