xVaultFi is a Solana-native protocol designed to unlock the full potential of real-world assets (RWAs) in DeFi. While RWA adoption is accelerating globally, the infrastructure is still heavily Ethereum-centric leaving Solana users with RWA tokens they cannot effectively use.
xVaultFi bridges this gap by enabling users to borrow, earn, and manage liquidity using tokenized RWAs such as tokenized stocks, gold, and real estate all through a unified, secure lending layer. Our mission is to make RWAs useful, composable, and financially productive on Solana.
Vision
xVaultFi’s vision is to make real-world assets truly usable on-chain. While RWA adoption grows rapidly, most activity remains locked on Ethereum and even on Solana, tokenized assets like stocks and gold are primarily used for trading, not finance. We aim to turn RWAs into productive capital by enabling borrowing, lending, and liquidity aggregation powered by real economic value. Our long-term goal is to become the RWA liquidity foundation of Solana, connecting issuers, DeFi protocols, and users to build a seamless on-chain capital market where real assets, liquidity, and user ownership converge.
- RWA-Backed Borrowing - Use tokenized stocks (e.g., TSLAx, AAPLx) and other RWAs as collateral to borrow USDC/USDT.
- Unified RWA Lending Aggregator - Compare and access lending markets across Solana DeFi protocols (Kamino, Jupiter, Drift, and more) in one place.
- SOCL Risk Engine - A smart liquidation mechanism that protects against sudden liquidations by gradually selling collateral and preserving user equity.
- Native Liquidity Vaults - Provide liquidity to earn yield from interest, liquidation spreads, and protocol rewards.
- Future RWA Expansion - Support planned for tokenized gold, real estate, fixed-income assets, and other institutional-grade RWAs.
| Problem Today | xVaultFi Advantage |
|---|---|
| RWA utility on Solana is limited tokens are mostly just traded | Unlock real borrowing & liquidity utility |
| RWA infrastructure is centered on Ethereum | Solana-optimized RWA lending layer |
| Fragmented liquidity across protocols | Unified aggregator + smart routing |
| Sudden liquidation risks | SOCL engine for gradual liquidation & user protection |
xVaultFi is not competing with existing Solana RWA projects. We’re connecting and amplifying them by building the liquidity backbone of Solana's RWA economy.
| User Type | Benefit |
|---|---|
| RWA Holders | Borrow stablecoins without selling tokenized stocks/assets |
| DeFi Liquidity Providers | Earn yield via stablecoin lending in RWA-secured markets |
| Institutions & RWA Issuers | Access compliant RWA collateral management & liquidity infrastructure |
| Developers / DeFi Protocols | Plug into xVaultFi RWA liquidity & vault infrastructure via SDK/APIs |
Whether you're holding tokenized equities on Solana, building RWA rails, or managing institutional assets; xVaultFi provides the liquidity engine to power real asset finance on-chain.