Overview
Modular, risk-isolated lending on the XRPL Sidechain.
A permission-aware money market that combines isolated liquidity pools, a resilient multi-source oracle, and on-chain income allocation — built for safe, capital-efficient on-chain lending.
Launched in 2025, Rheofi Protocol advances decentralized finance through a modular, permission-aware lending architecture that prioritizes risk isolation, operational safety, and protocol resilience. Built on the XRPL Sidechain, Rheofi pairs fast finality and low transaction costs with full EVM compatibility for smart-contract execution.
Every design decision in Rheofi maps back to one of three goals.
Risk Management
Isolated pools, configurable collateral parameters, and a resilient oracle keep adverse market events local — protecting users and the broader protocol.
Protocol Administration
Critical actions are executed via timelocks and permissioned roles, enabling transparent, auditable administration without sacrificing operational safety.
User Experience
Protocol and risk complexity are abstracted away from end users. Lending and borrowing feel fast and predictable thanks to XRPL Sidechain throughput.
A single high-level view of the contracts a user touches and the systems that keep them safe.
From a deposit to a liquidation, every step routes through contracts that exist on-chain today.
Supply
Users deposit assets into an Isolated Pool's RToken market and immediately begin earning supply interest.
Borrow
Against their collateral, users borrow other assets from the same pool. The Comptroller enforces collateral factors and caps.
Price & risk
Every borrow is priced through the Resilient Oracle, with bound validation rejecting feeds that drift outside expected ranges.
Liquidation & shortfall
Unhealthy positions are liquidated. Any residual bad debt is closed through a Shortfall auction backed by the Risk Fund.