The Bridge to a New Financial System.

OpenEden is a real-world asset (RWA) tokenization protocol built on the XRP Ledger. Our mission is to build the bridge to a new financial system by unlocking trillions of dollars in real-world assets — tokenized T-Bills, bonds, credit instruments — and making them accessible on-chain, seamlessly and securely.

Real-World Assets (RWAs) are traditional financial instruments — such as US Treasury Bills, corporate bonds, real estate, private credit, commodities, and money market funds — that are represented as tokens on a blockchain. Tokenizing RWAs enables instant settlement, fractional ownership, 24/7 trading, and programmable yield distribution on-chain.

The XRP Ledger (XRPL) offers a unique combination of features ideal for RWA tokenization: 3–5 second settlement finality, transaction fees under $0.001, built-in native DEX functionality, and compliance-grade features like token freeze, whitelisting, and transfer restrictions. XRPL is also one of the most energy-efficient blockchains and has a decade-long track record of institutional reliability.

OpenEden currently offers three core asset categories: US Treasury Bills (5.20% APY) — short-term government debt backed by the full faith and credit of the US; Corporate Bond Fund (7.40% APY) — a diversified portfolio of investment-grade bonds; and Private Credit Fund (9.80% APY) — senior secured loans and private credit instruments previously accessible only to institutional investors.

Yes — every tokenized asset issued by OpenEden is backed 1:1 by the underlying real-world instrument, held in custody by regulated financial institutions. The T-Bill vault, for example, holds actual US Treasury Bills purchased through licensed broker-dealers. Real-time proof of reserves and quarterly third-party audits are published publicly for all asset vaults.

Yield on OpenEden comes entirely from the underlying real-world assets — not from token emissions or protocol incentives. T-Bill yield reflects current US Fed Funds rate yields. Bond and credit fund yields come from coupon payments and interest income from the held securities. All yield sources are publicly disclosed, audited, and verifiable on-chain.

The minimum investment is $1,000 USD for the T-Bill vault, $5,000 for the Corporate Bond Fund, and $10,000 for the Private Credit Fund. There is no maximum. OpenEden supports deposits in USDC, Ripple's RLUSD stablecoin, and XRP. All investments are subject to KYC/AML verification before first access.

Yes — KYC verification is mandatory for all OpenEden investors. As a regulated financial protocol handling tokenized securities, OpenEden is required by law to verify investor identity and accreditation status. The one-time KYC process takes approximately 5–10 minutes and supports investors from 40+ jurisdictions. Once verified, your wallet is permanently whitelisted for seamless future investments.

OpenEden supports all major XRPL-compatible wallets including XUMM (Xaman), Ledger hardware wallet, Crossmark, and GemWallet. For investors using stablecoins on Ethereum or other EVM chains, MetaMask and WalletConnect are supported via our cross-chain bridge. We recommend XUMM for the most seamless native XRPL experience.

T-Bill vault redemptions settle within T+1 business day — your funds return to your wallet the next business day after a redemption request. Corporate bond fund redemptions take T+2. Private credit fund has a quarterly redemption window with 30-day notice due to the nature of the underlying loans. All redemptions return 100% of principal plus all accrued yield.

OpenEden accepts USDC (USD Coin), RLUSD (Ripple's institutional stablecoin), and XRP directly from your XRPL wallet. For EVM-chain users, USDC on Ethereum, Base, and Polygon is supported via our bridge. All amounts are denominated in USD and settled at spot exchange rates at time of investment.

OpenEden charges a management fee of 0.15% annually on T-Bill vault assets (already reflected in the displayed APY) and 0.30% on bond/credit funds. There are zero deposit or withdrawal fees. The only additional cost is the XRP Ledger transaction fee (~0.00001 XRP per transaction), which is essentially negligible. The APY shown on the platform is always the net yield after all fees.

RLUSD is Ripple's institutional-grade USD stablecoin native to the XRP Ledger. It is fully backed by USD deposits, US government securities, and cash equivalents. OpenEden accepts RLUSD as a primary investment currency and distributes T-Bill yields in RLUSD — making it the optimal stablecoin for seamless, low-friction RWA investing on XRPL without leaving the ecosystem.

Traditional DeFi yield comes from token emissions, liquidity mining, or algorithmic mechanisms — inherently unsustainable and volatile. OpenEden's yield comes exclusively from real-world assets like US government debt. This means yield is tied to global interest rates and real economic activity — not token speculation. OpenEden offers a fundamentally safer, more sustainable source of on-chain yield.

Yes. OpenEden operates under applicable securities and financial regulations in the jurisdictions where it operates. Our underlying asset custodians are SEC-registered broker-dealers and regulated financial institutions. All tokenized securities comply with relevant securities law. OpenEden employs legal teams across multiple jurisdictions and obtains all required licenses before launching in each market.

Yes. All OpenEden smart contracts on XRPL and EVM chains are fully audited by independent security firms with zero critical vulnerabilities reported. Audit reports are publicly available in our documentation. The protocol maintains an active $5M bug bounty program for continuous security research. Smart contracts are open-source and fully verifiable on XRPL Explorer and Etherscan.

Yes — OpenEden is built with institutional investors as primary users. We support multi-signature wallet setups, institutional KYB (Know Your Business) verification, custom investment limits, and API-based portfolio management for hedge funds, family offices, asset managers, and corporate treasuries. Minimum institutional investment starts at $1M with custom yield arrangements available at $10M+.

Your investment is protected by the underlying real-world asset custody structure, which is legally separated from OpenEden's operational entity. In the event of OpenEden's insolvency, the custodian (a regulated financial institution) holds the assets in segregated accounts for investors. The underlying T-Bills, bonds, and credit instruments are legally owned by investors, not OpenEden — the protocol merely provides access and tokenization infrastructure.

The XRP Ledger serves as OpenEden's settlement and issuance layer. When you invest, your payment is confirmed on-chain in 3–5 seconds and an equivalent tokenized RWA is minted to your wallet instantly. Yield distributions are automated via smart escrow contracts on XRPL — triggered on a fixed schedule with no manual intervention. All investment, redemption, and yield transactions are permanently recorded and publicly auditable on the XRPL Explorer.

OpenEden currently supports investors from 40+ jurisdictions including the United States (accredited investors), European Union, United Kingdom, Singapore, UAE, Japan, South Korea, and most of Southeast Asia. US investors must be accredited investors under SEC Regulation D. Citizens of sanctioned countries (Iran, North Korea, Russia, etc.) are not eligible. The supported jurisdiction list is updated regularly as new regulatory approvals are obtained.

OpenEden deeply integrates with the broader Ripple ecosystem: we accept RLUSD stablecoin for investments, leverage XRPL's native DEX for secondary market liquidity of tokenized assets, utilize Ripple's institutional payment rails for cross-border yield distribution, and collaborate with RippleNet partners for institutional fiat on/off ramps. We are an active participant in the XRPL developer community and contribute to the open-source XRPL tooling ecosystem.