We're creating the conditions for a transparent and trusted lending ecosystem on the XRP Ledger

The Network Built for the Community

Connecting people, capital, and institutions across the XRPL lending market.

A unified ecosystem layer for the XRPL Lending Market

Through one open network, the community can discover lending opportunities, access trusted market participants, make informed decisions, and build on standardized open infrastructure.

Put Your Assets to Work

Allocate XRP, RLUSD, and other assets through verified XRPL Vaults. Compare lending opportunities, review transparent performance data, and manage your capital with confidence.

Access the XRP Ledger

Interact directly with the XRP Ledger through a secure, non-custodial interface. Connect existing XRPL wallets or create new accounts, manage assets, and access XRPL applications from a single interface.

Explore Market Intelligence

Access original research, ecosystem analysis, and lending insights to understand XRPL credit markets.

Become a Verified Loan Broker

Build trust, increase visibility, and attract depositors through a verified Broker profile with transparent performance, standardized metrics, and verified credentials.

Build on XRPL

Integrate with open APIs and MCP from the XRPL Lending Network. Build applications and services on lending infrastructure operated by the Network.

Secure by Design

Native XRPL Architecture

Built on native XRP Ledger capabilities, reducing complexity and leveraging infrastructure trusted across the XRPL ecosystem.

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Non-Custodial

You remain in full control of your assets at all times. Funds are allocated only when you choose to participate in a Vault, where Brokers manage lending strategies but never take ownership of your assets.

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Verified Vaults

Every Vault listed on the Network is independently verified before becoming available to depositors, ensuring Brokers meet standardized operating requirements, transparent reporting standards, and ongoing monitoring.

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Community Protection Fund

A reserve providing capital coverage for participating Prime Vaults. Working alongside Broker First-Loss Capital, it helps absorb lending losses before they reach depositors.

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Behind the Network

  • Coinbase
  • Fireblocks
  • CME Group
  • Kraken
  • Chainlink
  • Sygnum
  • AMINA Bank
  • Bank Frick
  • KuCoin

Prime Vaults

Put your capital to work with trusted lending opportunities, designed to deliver competitive yield through transparent risk management and verified protection.

Explore Vaults

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  • Native XRP Yield

    Manager

    • PRIME
    • XRP
    • Flexible Rate

    Generate native XRP yield by supplying liquidity for cross-border payments and institutional lendingβ€”without converting your holdings to stablecoins.

    TVL
    $57.32M
    Net APY
    5.6%
    Redemptions
    Weekly
  • Trade Finance

    Manager

    • PRIME
    • RLUSD
    • Fixed Rate

    Finance global trade through invoice financing, import and export credit, and short-term working capital for established businesses.

    TVL
    $182.4M
    Net APY
    9.2%
    Redemptions
    90 Days
  • Institutional Credit

    Manager

    • PRIME
    • RLUSD
    • Fixed Rate

    Diversified lending to regulated financial institutions, fintech companies, and corporate borrowers with strong credit profiles.

    TVL
    $158.9M
    Net APY
    8.4%
    Redemptions
    180 Days

Network metrics

Metrics are updated every 24 hours.

Network metrics are temporarily unavailable. Preview data is being shown.

Capital Deployed
$620,731,193
Loans Originated
12,842
Active Lenders
3,819
Repayment Rate
99.3%

Built by the People Behind the XRPL Ecosystem

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  • 300K+

A Smarter Way to Use XRPL

Meet Steve.

Your AI copilot for the XRPL ecosystem.

Research lending markets, analyze opportunities, manage your portfolio, and interact with the XRPL ecosystem using natural language.

  • Every recommendation is backed by transparent on-chain data.
  • Every transaction is prepared for your review.
  • Every financial action requires your explicit approval.
Time Saved
≀ 80%
Coverage
24/7
Black Boxes
0
Steve AI copilot conversation showing a lending recommendation with cited XRPL resources and an approval-first workflow

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