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Secure returns on stablecoins
backed by Real World Assets

DeFi 2.0 Innovation Full regulatory compliance Deflationary tokenomics Highly experienced Team Resilient to market cycles
Soil On Polygon Copied to Clipoard

Get an inside look at groundbreaking updates that bring more value to your DeFi experience

Featured in:

Audited by:

Featured in:

Audited by:

About Us

real

Assets Team World Yield
SOIL is a fully regulated DeFi protocol ensuring secure returns on stablecoins backed by Real World Assets
01. Real-World Asset Backing

We stand out by being backed by Real-World Assets, providing stability and a tangible value proposition.

02. Regulated Approach

Operating within a regulated framework ensures transparency and compliance, bolstering trust in our project.

03. Tokenomics Strategy

Our tokenomics prioritize sustainable growth, incentivizing users to participate and reinforcing a deflationary model.

04. Security and Auditing

Our successful security audit by Hacken reinforces our commitment to maintaining a secure platform for users.

05. DeFi 2.0 Innovation

We’re not just another DeFi project – we’re DeFi 2.0, integrating the strengths of decentralized finance with traditional finance.

06. Risk Mitigation

Our multichain Guarantee Fund reduces risk, fortifying the protocol’s safety and boosting confidence for lenders.

Trusted by:

Meet the team

Our team brings diverse expertise from the crypto and traditional finance realms, fostering a balanced and capable approach.

Jakub Bojan

Chief Executive Officer

Nick Motz

Chief Investment Officer

Mateusz Mach

Chief Tech Officer

Michael Maciuk

Chief Marketing Officer

How it Works?

$SOIL token

Yield tokenisation

$SOIL token captures the protocol’s profits and, through its deflationary tokenomics, increases in value as the protocol scales up

Earn rewards

Supply your $SOIL tokens into the protocol and earn rewards for securing it

Yield booster

Enjoy increased yields on stablecoins by locking your $SOIL tokens in the protocol

FAQ

For a more in-depth understanding of Soil, please refer to the Whitepaper. If you still have any questions, feel free to reach out to the Soil team on our Discord or Telegram channels.

Soil is a blockchain-based lending protocol that bridges the gap between traditional finance and the crypto world, reshaping corporate debt and fixed-income investments. It is a debt marketplace where established companies can obtain financing, and crypto investors can lend their stablecoins to earn yield derived from Real World Assets that exist off-chain.

As Soil bridges the worlds of traditional finance and digital cryptocurrencies, regulatory compliance is our top priority. We are fully compliant with current regulations, and as an entity based in the European Union, our business model aligns with upcoming transformative changes in the EU’s legal framework, notably MiCA (Markets in Crypto Assets).


To interact with the Soil protocol, you choose a lending pool based on your preferred return and duration. Then, you deposit your stablecoins (USDC) to start earning a passive income. Furthermore, if you hold the Soil token, you can lock your coins on the protocol to boost your total yield (APY) in the lending pool.

Using the protocol involves Polygon blockchain transaction fees, which vary based on network conditions and transaction complexity.

The yield generated on stablecoins from the lending pools comes from the interest paid on loans extended to companies, specifically Small and Medium-sized Enterprises (SMEs), by private debt fund managers. These loans are customized to meet the unique growth requirements of each company.

Yes, all loans approved by private debt fund managers are fully collateralized by Real World Assets, supported by a wide range of legal documents. These loans are closely monitored, each with specific covenants. Examples of collateral for these loans include registered pledges on shares and assets, mortgages on plots and assets, personal guarantees, submission to enforcement, sureties for parent companies or other entities, escrow accounts, and assignments of loans.

Small and Medium Enterprises (SMEs) play a crucial role in driving economic growth in any country, often contributing up to 50% of the GDP (gross domestic product) growth. However, these enterprises frequently struggle to access external capital to expand and enhance their productivity. Traditional banks, constrained by regulatory frameworks, tend to be slow, inflexible, and inefficient in providing financing to SMEs. Soil recognizes this misallocation of resources and strives to bridge this gap. SMEs are not only vital for economic growth but also serve as hubs of entrepreneurship, innovation, and job creation.

Commercial banks encounter significant challenges when it comes to lending to small businesses. These challenges primarily include the absence of a banking or credit history that would grant SMEs easy access to funds from commercial banks. Additionally, many SMEs lack clear collateral to secure their financing. Banks often lack flexibility and do not explore creative financing solutions. This is where private debt funds step in, offering customized solutions to help finance these companies.

We finance a variety of small to medium-sized enterprises, including but not limited to medical centers, furniture producers, manufacturing plants, real estate developers, and many others.

At the protocol level, we have a built-in guarantee fund, operating through a smart contract, which serves to mitigate potential losses on deposits and acts as a safeguard against chain-related risks. These reserves are funded by a percentage of the protocol’s profits and are held in separate accounts.
All loans facilitated by the protocol maintain a high level of collateralization and are subject to regular covenant monitoring by fund managers.