XRAAS
LOC

Three-tier lending on XRPL. Post a Fixed or Negotiable pool, accept terms instantly, or let Smart Match auto-route your borrow request across the best available pools.

Fixed or Negotiable Pools

Lenders post pools with a set APR (Fixed) or open to counter-offers (Negotiable). You choose.

Smart Match

Tell us what you need. Smart Match auto-routes your borrow across multiple pools at the best blended rate.

On-Chain Settlement

Both sides sign XRPL EscrowCreate. Lock XRP collateral, receive RLUSD. Repay to release.

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Coming Soon
XLOC

XLOC is a three-tier lending protocol on the XRP Ledger — giving small businesses access to RLUSD liquidity using XRP as collateral. Fixed pools, negotiable rates, and Smart Match auto-routing. Currently in testnet. Mainnet launching soon.

What XLOC Does

Borrow RLUSD Against XRP

Post XRP as collateral, receive RLUSD for business operations — no bank required.

Lend and Earn Yield

Post fixed or negotiable pools. Earn interest on your XRP — fully on-chain.

Smart Match Routing

Auto-routes your borrow across multiple pools for the best blended APR.

XRPL Escrow Settlement

Funds locked in on-chain escrow. Released automatically on repayment — no intermediaries.

Future Integrations

Clik Community
XTAC Payouts
WIZ·AI Advisor
XRPL Mainnet
Multi-Currency Pools
Business Credit Score
Join Clik for Early Access