YIELD
total APR up to:
generated by
Real World Assets
real
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
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.
Our team brings diverse expertise from the crypto and traditional finance realms, fostering a balanced and capable approach.
Yield tokenisation
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
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.
Eunielle Yi
Eunielle is currently a Venture Partner at Dracoon Ventures, focusing on investments and partnerships in the Web3 gaming industry especially across Asia. She also serves as an Advisor at canD, a no-code ecosystem for communities, where she played her role as co-founder and CBDO since 2019.
Prior to Dracoon Ventures, she was a Founding Partner of Impact Collective, where she established a $5M impact investing fund and a community of 2,000 stakeholders. Also, she was a Partner at TheVentures, a Seoul and Singapore based early stage VC, managing global acceleration programs and international portfolios. She also founded DE:FINE, supporting Web3 startups in strategy, fundraising, and business expansion.
Eunielle started her professional journey in casual gaming at Paprika Lab, leading the mobile department.(acquired by GREE)
She holds a BA in Linguistics from Seoul National University and is based in Seoul, Korea.
Dr. David An
David is currently the Managing Partner at Dracoon Ventures. Previously, he was a Partner at Greenfield Capital, overseeing investments in NFTs, GameFI, and related infrastructure. As head of BD, he served as the global BD Director at Binance, focusing on NFT partnerships.
Previously, he was the CEO of GameInfluencer, an influencer marketing agency, and VP at Aeria Games. He also held roles as Head of Product & CRM at WEBDE Club in Germany and founded Rumble Media. He began his career as an Investment Manager at T-Venture, Deutsche Telekom’s corporate venture capital initiative.
David holds a doctorate in organizational behavior from EBS, an MBA from the University of St. Gallen, and an M.Sc. in Information Management from the University of Koblenz, all with magna cum laude honors.
Dr. David An
David is currently the Managing Partner at Dracoon Ventures. Previously, he was a Partner at Greenfield Capital, overseeing investments in NFTs, GameFI, and related infrastructure. As head of BD, he served as the global BD Director at Binance, focusing on NFT partnerships.
Previously, he was the CEO of GameInfluencer, an influencer marketing agency, and VP at Aeria Games. He also held roles as Head of Product & CRM at WEBDE Club in Germany and founded Rumble Media. He began his career as an Investment Manager at T-Venture, Deutsche Telekom’s corporate venture capital initiative.
David holds a doctorate in organizational behavior from EBS, an MBA from the University of St. Gallen, and an M.Sc. in Information Management from the University of Koblenz, all with magna cum laude honors.
Mateusz Mach (CTO, Author, Forbes 30 Under 30) is an esteemed figure in the tech arena, recognized for his technological prowess and innovative spirit. As CTO of Soil, Mateusz leads the charge in advancing technology within the crypto lending industry.
A graduate of New York University in Abu Dhabi with a degree in Economics, Mateusz shares his insights on FinTech trends as a regular Forbes contributor and is esteemed as a Forbes 30 Under 30 laureate in Europe.
Prior to his tenure at SOIL, Mateusz founded Nextrope in 2016, a distinguished blockchain house widely regarded as one of the world’s foremost. His entrepreneurial journey and achievements have left an indelible mark on the industry.
Furthermore, Mateusz is a bestselling author in Poland, acclaimed for his book “Crypto Millionaires.” Beyond his professional accolades, he is an avid swimmer.
Nick Motz (CIO, Forbes 30 under 30) is an experienced investment professional and entrepreneur. Nick has over ten years of investment experience in the credit sector. As CIO of Soil, Nick is in charge of all investment activities and managing the performance of the protocol’s loan pools.
Prior to Soil, Nick was the youngest founder of Mount TFI, a licensed asset management company in Poland focused on Private Debt investments. Mount TFI has become one of the leading private debt funds in Southern Eastern Europe. Prior to Mount TFI, Nick gained experience working at Aabar Investment, Abu Dhabi as well as real estate investment managers Capital Park Group and Patron Capital London.
Nick strongly believes in democratizing access to private credit and believes that blockchain technology, with specific focus on DeFi can lead this revolution.
Nick is a sports fanatic which includes basketball, football, ice-hockey off-piste skiing. He supports all sport teams from Miami Florida.
Mike Maciuk (CMO) is an experienced professional renowned for his role in developing successful marketing strategies for major European brands during his tenure as CEO of a leading marketing agency. His leadership consistently drove business growth and yielded exceptional results.
Post-agency, Mike co-founded Flexee, a fintech lending company that operates under strict regulatory oversight. Under his strategic guidance, Flexee developed an app empowering employees with convenient access to their earned wages, solidifying its position as an industry leader.
Additionally, Mike is a co-founder of Acustio.com, a prominent firm specializing in optimizing office acoustics for corporations. Leveraging advanced technology and creative solutions, Acustio.com enhances productivity and employee well-being.
With a diverse background spanning marketing, entrepreneurship, and technology, Mike brings a wealth of experience to his endeavors. His talent for identifying opportunities, fostering business growth, and delivering impactful solutions sets him apart as a dynamic and influential industry figure.
Jakub Bojan, CEO, is an experienced executive with a proven track record in business development through M&A activities, business integration, and organic growth. Prior to joining Soil full-time, he worked in Mergers and Acquisitions for prominent media and e-commerce companies, as well as leading global advisory firms such as Ernst & Young and PwC. Jakub has also provided transaction services to major banks in the CEE region. During his tenure at major European media and e-commerce companies, he held responsibilities for defining and evaluating development strategies.
Since 2017, Jakub has been actively involved in the crypto industry, with a specific focus on DeFi (Decentralized Finance). He recognizes the potential of cryptocurrencies as alternative sources of capital for transactions and financing the growth of companies.
Jakub has a deep passion for high-altitude mountaineering and has successfully climbed several challenging peaks, including the formidable 8-thousander, Lhotse.