The main challenge for Soil XRPL was to build a native DeFi solution on the XRPL — without bridges, intermediaries, or smart contract risk — that allows users to earn stable and predictable yields in RLUSD.
Most existing DeFi protocols rely on EVM-based networks with complex integrations and high gas fees, which limit accessibility and transparency. XRPL, while fast and scalable, was not designed for traditional smart contracts, requiring a completely different architectural approach.

Soil XRPL brings real yield directly to the XRPL by leveraging its native transaction logic, ultra-low fees, and instant settlement. The result is a secure, transparent, and compliant ecosystem where users can earn 5–8% fixed APR entirely within the XRPL network — no bridges, no risks, just real yield.