🎉 New Release: This is a beta release. This is on xrpl testnet for now. Learn More →

Built on XRPL EVM

Lending Without
Borders.

RheoFi is a non-custodial, risk-isolated lending protocol built natively for the XRP Ledger. Currently live on testnet, engineered in the open, with risks documented alongside the features.

Security posture→Read the docs→
XRPL EVM Testnet · Chain ID 1449000Non-custodial · Open source
Why RheoFi exists

Shared-pool lending shares everyone's risk. We don't.

A non-custodial lending protocol built natively for the XRP Ledger, where every market stands on its own.

Mission

Risk stays where it starts.

Most DeFi lending pools every asset into one shared system: when one collateral fails, every depositor pays. RheoFi starts from a simpler premise, and builds it natively for the XRP Ledger.

  • Isolated lending markets

    Each collateral-borrow pair lives in its own pool, so depositors take on the risk of exactly the assets they chose, and nothing else.

  • Multi-tier oracle pricing

    Prices flow through a layered oracle so no single feed can dictate a liquidation. Manipulation-resistant by design.

  • Timelocked, permissionless governance

    Every parameter change ships behind a public timelock. What deploys is visible on-chain before it takes effect.

Risk model
0%

Shared risk between markets. Every pool is siloed, so a failure in one cannot cascade into another.

XRPL fees
~$0.0001

Per transaction. Granular risk management is viable at any size.

Finality
<1s

Sub-second XRPL finality means precise liquidations and fast rebalancing.

Operating principles

Three commitments, no exceptions.

How we build isolated lending on the XRP Ledger. What stays constant across every deployment, every market, every release.

Every lending market on RheoFi is isolated. A failure in one pool cannot cascade into another. Depositors choose their exposure instead of inheriting everyone else's.

We build on the XRP Ledger EVM sidechain for its fast finality and negligible transaction costs. Those properties make frequent rebalancing and liquidation viable at any size, not just for whales.

We publish contract addresses, oracle architecture, and known risks in plain language. If something is unaudited or unfinished, the site says so before the pitch does.

Where we are today

Testnet now. Mainnet when it's earned.

An honest snapshot of the protocol's current state, updated as it changes.

  1. XRPL EVM TestnetLive nowChain ID 1449000

    XRPL EVM Testnet

    01 / 03

    Isolated lending markets are live on the XRPL EVM Testnet for anyone to supply, borrow, and stress-test. No real assets are at risk: testnet tokens only.

    01
    Non-custodial: positions held by smart contracts on the XRP Ledger EVM sidechain
    02
    Multi-tier oracle drives every price feed and liquidation
    03
    Timelocked parameter changes visible on-chain before they take effect
    04
    Complete list of deployed addresses on the Security page
    View security posture
  2. Independent auditIn progressStandalone deployment audit

    Independent audit

    02 / 03

    Core architecture is derived from lending designs audited upstream. A standalone audit of the deployed contracts is the gate to any mainnet deployment.

    01
    Focus is the standalone deployment, not the upstream primitives alone
    02
    Findings, severity, and remediation status will be published in full
    03
    Fixes ship with a delay window before they hit any live surface
  3. Mainnet launchPlannedGated on audit completion

    Mainnet launch

    03 / 03

    User funds will not be deployed to mainnet before the independent audit clears. When it does, addresses and disclosures ship the same day.

    01
    No mainnet deployment before audit findings are cleared
    02
    Contract addresses and risk disclosures published day one
    03
    Migration paths from testnet to mainnet documented in advance

Full architecture, oracle design, and contract addresses live on the Security & Risk page.

Talk to the team building isolated lending on XRPL.

Every channel is monitored by the team. Security disclosures get priority. Docs, the whitepaper, and community handles are one hop away.

Email the team→
RheoFi logo
FAQs

The protocol, in plain English.

What RheoFi is, why it lives on XRPL, how isolated lending works, and where the protocol stands today.

RheoFi is a non-custodial DeFi lending protocol built natively for the XRP Ledger. It offers isolated lending markets so depositors can lend and borrow against a specific collateral without inheriting the risk of every other asset in a shared pool. RheoFi is currently live on the XRPL EVM Testnet (Chain ID 1449000).

Isolated Lending on XRPL. Non-Custodial DeFi on the XRP Ledger.

Supply, borrow, and earn yield on RheoFi's isolated lending markets. Currently live on XRPL EVM Testnet. Read the whitepaper or explore the security posture before mainnet.