I recently took part in the Soil.co lending pool, and the experience further highlighted the changes in the business lending and private credit sectors. I earned an 8% annual percentage rate (APR) over six months by depositing my $USDC DC into a $5 million pool. No bankers, no paperwork, no never-ending email exchanges. It was a quick, easy, and straightforward experience. It was a compelling demonstration of how blockchain eliminates the inefficiencies that have dogged corporate financing for decades.

Traditional financing / lending is gradually disappearing. Small and medium-sized enterprises (SMEs) are frequently excluded from #TradFi because to rigid credit systems, delayed approval processes, and hefty overhead costs. In contrast, blockchain-based lending, which is enabled by smart contracts and on-chain data, streamlines everything.

The loan process is getting faster, cheaper, and safer. Creditworthiness is checked instantly, and funds are sent automatically. Borrowers gain access to funds faster with Soil.co , and investors like you and I can earn yield passively and transparently.

Let’s look at the facts: truth is, the numbers speak for themselves. The global private credit market is expected to reach $2.7 trillion by 2027, while blockchain-based Real World Assets ( #RWA ) are gaining serious traction with over $8 billion already tokenized as of 2025. While finance giants like #BlackRock⁩ and Franklin Templeton are dipping their toes into tokenized assets, their business models remain mostly closed. They’re still burdened by lengthy onboarding, limited access, and opaque fee structures.

This is where SOIL Business Model gets its unique selling point (USQ).
So what is Soil’s advantage?

  1. Open-to-all lending: SOIL, unlike traditional asset managers, promotes open access. Anyone can invest in real-world business loan pools with stablecoins like USDC.

  2. Real and Stable Yields: It combines #defi money with real-world borrowers, providing fixed returns supported by actual cash flows.

  3. Faster and More Efficient Credit: Smart contracts handle underwriting, fund release, and repayment schedules, eliminating inefficiencies and middlemen.

  4. Staking Increases Returns: I earned 8% APR on my deposit, and by staking $SOIL under the Grow area, you can increase your earnings even further.

  5. RWA Transparency: Every loan, transaction, and repayment is recorded on-chain. You can monitor exactly how your funds are being spent.

As someone who interacts daily with Web3 communities, many of whom are still new to concepts like RWAs, I believe SOIL sets a new standard for simplicity and inclusion. You don’t need to be a crypto expert to use it. You don’t need to be an accredited investor. All you need is a wallet and some $USDC.

Also, If the duration of the fixed private lending pool is too long for you, you can alternatively use the liquid stake pool, which has a 48-hour lockdown period. This recent experience not only increased my #yield , but it also demonstrated what is possible when blockchain meets real-world finance. We are no longer just imagining the future of lending without borders; we are actively engaging in it.

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