DeFi · Lending Protocol

Lending

Earn yield by funding loans through pooled XRPL vaults. Powered by XLS-65 & XLS-66 — settled natively on the XRP Ledger.

Create Vault
Total Value Locked
0.00 XRP
Active Vaults
0
Active Loans
0
Depositors
0

Your Portfolio

Total Deposited
0.0000 XRP
Across 0 deposits
Your Vaults
0
Vaults you created & manage
Estimated APY
8-12%
Based on current pool rates

Explore Vaults

No Active Vaults Yet

Be the first to create a lending vault and start earning yield on the XRP Ledger.

Create First Vault

How It Works

1. Deposit

Deposit as little as 10 XRP into a vault. Your funds are pooled with other depositors and diversified across multiple loans.

2. Match

Our engine automatically matches deposits with qualified borrowers based on credit scores and risk tiers.

3. Earn

Earn 8-12% APY as borrowers repay loans. Interest is auto-distributed to your vault shares. Withdraw anytime.

Amendment Status: Testnet Only

XLS-65 (Single Asset Vault) and XLS-66 (Lending Protocol) entered validator voting on January 28, 2026 with XRPL v3.1.0. The lending platform currently operates on testnet/devnet and will switch to mainnet once the amendments activate. Your deposits on testnet use test XRP only.