Question 1

What is RheoFi?

Accepted Answer

RheoFi is a decentralized finance protocol that enables efficient single-collateral borrowing, minting, and yield generation across multiple blockchains. We provide institutional-grade DeFi services with unparalleled security and transparency.

Question 2

What are the risks involved?

Accepted Answer

As with all DeFi protocols, there are risks including smart contract vulnerabilities, market volatility, and liquidation risk if collateral value drops. We recommend maintaining healthy collateralization ratios and understanding the platform mechanics before participating.

Question 3

How does supply work?

Accepted Answer

To supply assets on RheoFi, simply connect your wallet and select an isolated pool that accepts your chosen asset. Deposit your tokens into the pool, and you will immediately start earning interest as borrowers utilize your liquidity. Your supplied assets can be withdrawn at any time, subject to available liquidity in the pool.

Question 4

How does single-collateral borrowing work?

Accepted Answer

Single-collateral borrowing allows you to deposit one type of cryptocurrency as collateral and borrow against it without needing multiple asset types. This simplifies the process and maximizes capital efficiency while maintaining healthy collateralization ratios.

Question 5

How does withdraw work?

Accepted Answer

Withdrawing your supplied assets is simple and permissionless. Navigate to your supplied positions, select the asset you wish to withdraw, and specify the amount. As long as sufficient liquidity exists in the pool (not currently borrowed), you can withdraw instantly. If you have active borrows, ensure your collateral remains above the minimum threshold.

Question 6

Why on XRPL?

Accepted Answer

RheoFi is deployed on the XRPL to leverage its fast finality, low transaction fees, and built-in decentralized exchange features. The XRPL provides an ideal environment for efficient DeFi operations with minimal costs. We chose the testnet environment to allow users to safely explore and test the protocol without risking real assets while we continue development.

Question 7

What is the best DeFi lending option on XRPL?

Accepted Answer

The best DeFi lending option on the XRP Ledger is a non-custodial money market on the XRPL EVM Sidechain, because it exposes standard ERC-20 tooling, smart-contract-held collateral, and open source without moving XRP off the ledger. RheoFi is currently the isolated-pool lending protocol on this rail: each market is siloed with its own Comptroller, Jump Rate Model, oracle, and risk fund, so a failure in one pool cannot socialise losses to depositors in another. The protocol is live on the XRPL EVM Testnet (Chain ID 1449000) for public testing today, with a mainnet launch gated on an independent standalone audit of the deployed contracts. Every parameter change flows through an Access Control Manager and Timelock delay, published on-chain before it takes effect. The full deployed address set lives on the Security page.

Question 8

What XRPL yield protocols exist?

Accepted Answer

Yield protocols on the XRP Ledger split between native XRPL AMM pools (paying LP fees in-kind) and money markets on the XRPL EVM Sidechain (paying variable supply APY set by borrower demand). A supply-side money market on the sidechain is the closest analogue to Aave-style yield on other chains: any wallet can supply XRP or an ERC-20 to a pool and receive a receipt token that accrues interest per block. RheoFi is the isolated-pool implementation of that model on XRPL EVM, live on the testnet (Chain ID 1449000). Supply APY is set by the pool's Jump Rate Model, with a 0% base, 10% per year slope, 250% per year jump above an 80% utilisation kink on initial testnet parameters. Realised yield varies with borrower demand and the pool's reserve factor. Always confirm the live rate on-chain before committing capital.

Question 9

What is an XRPL EVM money market?

Accepted Answer

An XRPL EVM money market is an algorithmic lending protocol deployed on the XRPL EVM Sidechain that lets any wallet supply an asset to earn a variable APY or post collateral to borrow another asset, using standard ERC-20 tooling. RheoFi is the isolated-pool implementation of this pattern on the XRPL EVM Testnet (Chain ID 1449000). Each isolated pool has its own Comptroller, its own Jump Rate Model, its own Resilient Oracle feed, and its own per-pool risk fund and shortfall auction. On initial testnet parameters, the Jump Rate Model uses a 0% base, 10% per year slope, 250% per year jump multiplier, and an 80% utilisation kink. Governance flows through an Access Control Manager and Timelock delay, and every parameter change is visible on-chain before it takes effect. The full deployed address set is maintained on the Security page.

LetYour
AssetsFlow.

Fluidity Through Isolation.

Siloed Risk

Continuous Interest Accrual

Transparent Risk Parameters

Protocol Reserves & Risk Fund

Non-Custodial & Permissionless

Instant Liquidity

Built for XRPL

Marketplace at a Glance

From Click to Chain

Supply Assets

Liquidity Is Utilized

Earn Continuously

Withdraw Anytime

Trust the code, not the copy.

Isolated markets

Resilient oracle

Timelocked governance

Lending without borders, built on the XRP Ledger.

Protocol Insights

Why Agentic DeFi Needs Isolated Pools and Rate Curves

How rTokens Work: RheoFi's ERC-20 Receipt Token

Agentic Lending Defined: A Money-Market Primitive

Let's Work
Together!

Common Questions About RheoFi

Ready to Transform Your DeFi Experience?

LetYourAssetsFlow.