Soil’s core challenge lies in the vulnerability of DeFi lending platforms to defaults and yield volatility during rapid crypto market declines due to limited business diversity and reliance on fragile collaterals. This restricts the potential APY to around 2%. Meanwhile, accessibility to yields generated through loans has been uneven, benefiting corporates, banks, and institutional investors more than the wider public.

Soil aims to solve this by bridging the crypto and traditional economies, allowing all to earn attractive and predictable interest by lending to real-world companies. Soil’s uniqueness is in mitigating risk through cash flows from non-crypto businesses, fully collateralized by Real World Assets.

This democratizes capital and provides an alternative financing marketplace for companies while safeguarding crypto lenders from market fluctuations. Soil’s innovative approach addresses these issues by linking crypto loans to real-world business performance.