Abu Dhabi, United Arab Emirates, February 9th, 2026, Chainwire
ORQO Group, an institutional asset manager and technology platform operating at the intersection of traditional finance and blockchain, announced that its fintech platform, Soil, has introduced a Single Asset Vault (SAV) on the XRP Ledger (XRPL). 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.
Institutional fundraising and loan management are often fragmented across banks, custodians, and internal systems, resulting in manual reconciliation, delayed risk assessment, and operational bottlenecks. SAV is designed to address these obstacles by aggregating capital into a unified on-chain structure, thus creating a single source of truth for deployed assets and loan performance.
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.
“We are on the verge of Web3 supporting real, high volume institutional workflows, not just technical primitives,” said Nick Motz, CEO of ORQO Group and CIO of Soil. “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.”
Soil’s implementation follows a compliant hybrid model designed for regulated participation. Single Asset Vaults can be permissioned using domain-level controls, allowing identity verification, KYC and KYB processes, and wallet screening to remain in place while settlement and accounting occur on-chain. This structure allows institutions to benefit from blockchain efficiency without adopting anonymous or automated DeFi lending models.
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 XLS-66 amendment is pending mainnet activation, but Soil has already begun building on XRPL, with a planned demonstration of fund flows.
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.
About Soil
About ORQO Group
ContactJakub Bojan
[email protected]
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