A move toward on-chain infrastructure is positioning institutional credit workflows. ORQO Group, a regulated institutional asset manager with global operations, introduced a Single Asset Vault (SAV) on the XRP Ledger (XRPL) on Feb. 9 through its fintech lending platform, Soil, to support the development of compliant on-chain lending structures.

The initiative focuses on addressing inefficiencies in institutional fundraising and loan management, where capital, data, and oversight are often fragmented across banks, custodians, and internal systems. Chief Executive Officer Nick Motz stated:

“We are on the verge of Web3 supporting real, high volume institutional workflows, not just technical primitives.”

He explained: “By recording loan activity directly on-ledger while maintaining off-chain underwriting and risk controls, we are significantly reducing operational overhead and safeguarding institutional standards.” In its announcement, the organization noted: “This streamlines how institutions aggregate capital and manage on-chain lending activity, positioning Soil as an early institutional adopter of the forthcoming XLS-66 amendment.”

The Single Asset Vault is built to centralize institutional capital on the XRPL under a single on-chain structure, creating a consolidated record of deployed funds, interest accrual, and repayments while supporting fast settlement and consistent transaction costs. The announcement details:

“Through SAV, institutional lenders can pool capital denominated in RLUSD directly on the XRPL, enabling near-instant settlement and predictable transaction costs.”

“By consolidating fundraising into a single asset on one ledger, the vault structure reduces operational friction once capital deployment begins,” the company clarified.

Core loan lifecycle events, including origination, interest accrual, and repayment tracking, will be enforced through the XRPL Lending Protocol once active, while underwriting, borrower assessment, and credit risk management remain off-chain, consistent with institutional lending standards. Accounting and reporting are designed to be derived directly from ledger data, providing continuous visibility into balances, due dates, and exposure without reliance on manual reconciliation.

Read more: XRP Transitions Into Institutional Settlement Asset Under Ripple’s XRPL Strategy

Soil designed the Single Asset Vault under a permissioned hybrid model intended for regulated participation rather than anonymous or automated decentralized finance structures. Domain-level controls support identity verification, KYC and KYB processes, and wallet screening, while institutions retain fixed-term lending rules and defined deployment strategies. The company further detailed:

“Using permissioned SAVs and fixed-term lending rules, Soil aggregates RLUSD from institutional lenders such as family offices and fund managers. The pooled capital is deployed into institutional strategies including money market funds and private credit, with a target yield range of approximately 8% APR.”

The announcement remarks: “Soil’s Single Asset Vault is a foundational product step toward automated, scalable on-chain asset management. For the XRPL ecosystem, this provides a concrete use case of how native lending primitives can support compliant, institutional-grade credit markets.” While the XLS-66 amendment remains pending mainnet activation, Soil has begun building and testing its vault structure on XRPL, with planned demonstrations of fund flows intended to illustrate how regulated lending activity could operate once the amendment is live.

• What is Orqo Group’s Single Asset Vault on the XRP Ledger?
  It is a permissioned on-chain lending structure that pools RLUSD and records institutional loan activity directly on-ledger.
• How does Soil keep institutional lending compliant on XRPL?
  Soil uses a hybrid model with off-chain underwriting, KYC, KYB, and risk controls combined with on-ledger settlement and accounting.
• What role does the XLS-66 amendment play in Soil’s product?
  The vault is designed as an early institutional use case for the forthcoming XRPL XLS-66 lending amendment.
• What yields are Soil targeting with its institutional RLUSD vaults?
  The platform is targeting yields of roughly 8% APR through money market and private credit strategies.

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