Borrow RLUSD

Borrow RLUSD.Keep your XRP.

Your XRP goes into a ledger escrow that you sign yourself, and RLUSD lands in your wallet in minutes. When you repay, the XRP comes back. If Straid ever disappears, one public transaction returns it: the escrow carries its own release date at the end of the term, and after it anyone can send the XRP back to you, including you.

How it worksBorrow RLUSD
  • 40Loans repaid in full
  • 100%Public loan payments
  • < 2 minFrom wallet to RLUSD
  • Every loanView on the explorer

How it works

Three steps, all of them public.

  1. 01.

    Lock XRP

    Connect Xaman, review your terms, and sign the transaction that locks your XRP in escrow. Straid verifies the escrow before sending your RLUSD.

  2. 02.

    Receive RLUSD

    Receive RLUSD in your own wallet, minus the origination fee, usually within a minute of escrow validation. Your funds are then available to use.

  3. 03.

    Repay and get XRP back

    Repay the full amount due with your loan tag before the deadline, in one payment or several. Straid then returns your XRP, unless the collateral has already been used.

  • 7.5%annual interest
  • 0.5%origination fee
  • 7-dayescrow
  • Up to 40%LTV

The repayment deadline is 48 hours before the term ends. Interest is charged for the full term even if you repay early.

Your collateral

Held on the ledger.Clear from the start.

  • XRP held in escrow

    Your XRP is held in a conditional escrow on the XRP Ledger for the duration of your loan.

  • Your keys stay yours

    You sign the escrow in your wallet. Your private keys stay with you and are never shared.

  • A built-in release date

    After that date, if Straid has not finished the escrow, anyone can cancel it and the XRP goes back to your wallet.

Straid controls escrow release. On repayment, the XRP passes through Straid’s collateral account before returning to your wallet. If a loan is not repaid in full, or reaches the published loan-to-value trigger, Straid may sell only as much of the collateral as is needed to pay the amount due and the liquidation fee, and returns any remaining XRP to your wallet.

Built with:

First partner:

Liquidity without selling your XRP.

Choose your loan amount and review the exact terms before you sign.

Read the docsBorrow RLUSD

Straid is a beta lending service with small limits and manual operations. Borrowing against a volatile asset can cost you your collateral. Nothing here is investment advice, and Straid does not issue RLUSD. See the terms before you borrow.

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