Building on XRPL · Smart Escrow Live

The credit layer for programmable receivables

Straid transforms LP tokens into composable financial instruments. Leverage positions, trade future cash flows, and price risk — all natively on XRPL.

Native XRPL protocol
No custodian needed
Institutional-grade
Deposit
RLUSD Vault
Single Asset Vault
$10,000
Smart Escrow
LP Token Locked
XLS-85 · Trustless · Native
Active
Borrow
RLUSD Out
50% LTV · Re-deploy
$5,500
Result
Leveraged
+55%
Every LP token becomes a tradable, leverageable financial instrument

As lending protocols launch on XRPL, they will mint billions in LP tokens — on-chain receivables representing claims on principal and yield. Today, this capital sits frozen. Straid activates it.

$4T+
Daily TradFi repo volume — the primitive we are building on-chain
+55%
Capital efficiency gain via leverage loop
XLS-85
Smart Escrow — live on mainnet, no custodian
First
Credit market infrastructure built for XRPL
LP
RLUSD
Escrow
Yield
Three products, one integrated capital stack

Each layer reinforces the others. Leverage creates flow. Pricing enables fair repo. Risk data calibrates everything.

Phase 1 — Leverage

LP Tokens as Collateral

Post VaultShares into Smart Escrow, borrow RLUSD, and re-deploy into new vaults. One-sided market, no cold start problem.

Phase 1.5 — Risk Intelligence

The Pricing Engine

Vault health scoring, default rate tracking, LP token fair value models, dynamic LTV calibration. API-first for ecosystem integration.

Phase 2 — Repo Market

Trade Future Cash Flows

Sell LP tokens at a discount for immediate RLUSD. Atomic settlement. TradFi's $4 trillion daily primitive, brought on-chain.

Smart Escrow replaces custodians

XLS-85 Token Escrow enables trustless, programmable collateral management — entirely native to XRPL.

Smart Escrow
XLS-85 · Live on Mainnet
Loan Fully Repaid
EscrowFinish → LP token released to borrower
LTV Breach Detected
Broker submits EscrowFinish → liquidation
Missed Payment
Protocol broadcasts late payment → collateral seized
Time-Based Expiry
Auto-cancel after maturity date passes
⛓️

Native XRPL Primitive

Built on XLS-85 Token Escrow, live on mainnet since February 2026. No EVM bridge, no wrapper, no smart contract dependency.

🔐

Zero Custodian Cost

Collateral held through native escrow. No third-party custody fees, no trust assumptions, no key management overhead.

Event-Driven Release

Custom EscrowFinish triggers from loan brokers, lending protocols, or time-based conditions. Fully composable.

🏛️

Permissioned Compatible

Works within XRPL Permissioned Domains (XLS-80/81). Restrict operations to credentialed institutional participants.

Credit markets are the backbone of modern finance

Repo, leverage, and risk pricing are the most fundamental capital market primitives. They don't exist on XRPL yet.

🏦

TradFi Repo

The repo market is the plumbing of global finance — overnight lending against securities collateral. The same primitive, native to XRPL.

$4T+
Daily volume globally
📈

Yield Tokenization

Pendle proved massive demand for yield splitting on EVM. XRPL's institutional infrastructure is the natural home for the next generation.

$8.9B
Pendle TVL on EVM chains
🎯

First Mover

No LP token credit market exists on XRPL. With lending protocols launching and institutional capital deploying, the window is now.

Zero
Competitors on XRPL
Building in public, shipping in phases

Every XRPL amendment we need is either live or activating. The infrastructure window is open.

FEB 2026 — LIVE
Token Escrow (XLS-85)
Native escrow for all XRPL tokens including MPTs. The foundation for trustless collateral management.
✓ Live
Q1-Q2 2026
Leverage MVP
LP token → Smart Escrow → Borrow RLUSD → Re-deploy. Conservative LTV, single vault integration.
Building
Risk Intelligence Engine
Vault health scoring, LP token fair value model, dynamic LTV calibration. API-first.
Building
H2 2026
Repo Market Launch
Atomic LP token ↔ RLUSD swap. Two-sided marketplace powered by pricing engine.
Planned
2027+
Full Credit Stack
PT/YT yield splitting, multi-vault portfolios, permissioned institutional domains.
Planned
Credit markets for XRPL start here

We are onboarding lending protocol partners, institutional participants, and infrastructure collaborators.