The Credit Layer for the On-Chain Economy.

Live across multichain, coming soon to the XRP Ledger.

$965M
Total loans originated
$30M
Total value locked
$10M
Total interest paid
Trusted by leading investors and institutional partners
SequoiaArrington CapitalHashKeyWintermuteJane StreetFlow TradersWincentCoinSharesCicada SequoiaArrington CapitalHashKeyWintermuteJane StreetFlow TradersWincentCoinSharesCicada
Networks

Multichain today.
XRPL next.

Multichain · Live

Multichain

Permissioned institutional lending across seven networks. $965M+ originated.

Flare Arbitrum Optimism Mantle Base Polygon Avalanche
Launch app →
XRP Ledger · Coming soon

XRP Ledger

Real-world yield on RLUSD, custodied by Hex Trust. Native XRPL credit primitives.

RLUSDXLS-65 vaultsXLS-66 lending
Coming soon
US 3M T-BILL 3.69% ▼ 0.01% BTC $78,372 ▼ 1.68% ETH $2,466 ▲ 0.19% XAU $2,388 ▲ 0.31% EUR/USD 1.0825 ▲ 0.18% USD/JPY 151.32 ▼ 0.24% XRP $2.41 ▲ 0.92%
Live today · Multichain

Institutional lending, proven at scale.

Permissioned credit markets for institutional borrowers, lending and repaying onchain since 2021.

Launch app →
Clearpool lending app
Coming soon

Institutional lending,
on the XRP Ledger.

Real-world yield on RLUSD, custodied by Hex Trust.

Built together by
Why XRPL

Credit as a ledger primitive.

Built into the ledger

Lending is a native ledger operation. Issuance, repayment and accounting at the protocol level.

Compliance built in

Identity and permissioning are part of the ledger. Vetted participants, by design.

First-loss protection

The borrower's own capital absorbs losses before depositors. Underwriting they answer for.

The architecture

The native
credit stack.

Five layers, all on one ledger. On XRPL, credit settles as a native primitive of the chain itself.

RLUSD
Regulated dollar
Compliance
Permissioned access
XLS-66 · Lending
Issuance · repayment
XLS-65 · Vault
Deposits · shares
XRP Ledger
Native settlement