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Chiamaka oni data ati Web3💕 @jessica_moon04 on x 5696 followers
Created: 2025-07-23 04:58:44 UTC
Comparing Top RWA Protocols: Why $SOIL Leads in Real Yield
🟣 $SOIL: The Leader in Accessibility & Stability
✅ Fixed Yield: Yes, currently offers 7%+ APY on real world loans. ✅ Retail Access: Anyone with stablecoins can participate via a wallet. ✅ Regulated Region: Built in the EU with licensed lending partners. ✅ APY Stability: Yield is fixed per lending pool not market-based. ✅ Transparency: Loans are tokenized and tracked onchain with legal enforcement.
It's perfect for users who want simple, stable, real yield with regulated backing.
🟡 Goldfinch: Strong Mission but More Variable ❌ Fixed Yield: No. APY fluctuates based on borrower activity. ⚠️ Retail Access: Some pools are permissioned; full access varies. ⚠️ Regulated Region: Operates globally, often in emerging markets. ❌ APY Stability: Depends on borrower repayments and pool performance. ⚠️ Transparency: Uses 'trust scores' but borrower clarity isn’t always strong.
Great for impact investing but more complex and volatile for average users.
🔴 Maple: Institutional & High Risk ❌ Fixed Yield: No. variable rates based on crypto market activity. ❌ Retail Access: Mostly limited to institutions or accredited investors. ❌ Regulated Region: Operates in crypto-native environments, less TradFi integration. ❌ APY Stability: Exposed to risks like FTX, Alameda, etc. ⚠️ Transparency: Some visibility, but risk disclosure varies.
Maple is more like a crypto-native hedge fund for lenders, not built for everyday users.
🔵 Credix: Promising but Early ❌ Fixed Yield: No. Rates are variable. ✅ Retail Access: Accessible to most users. ⚠️ Regulated Region: Focused on LATAM (e.g., Brazil); local laws apply. ❌ APY Stability: Depends on partner fund performance. ⚠️ Transparency: Some clarity, but borrower data can be limited.
A startup with strong intent but less battle-tested than $SOIL or Goldfinch.
If you're looking for fixed, stable and regulated real-world yield that’s actually accessible.
$SOIL leads across every major metric. It’s designed for users (not just institutions), it’s backed by law, not hype and it delivers real income from real businesses.
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Related Topics lending stablecoins rwa web3 oni $soil coins defi coins real world assets