XRPL · RLUSD · Private real-estate credit

Real-estate-backed credit, on-chain.

Settlemark Capital originates short-term, business-purpose real-estate loans and services them on the XRP Ledger. Borrowers receive funds in 72 hours. Accredited lenders earn yield on monthly RLUSD distributions.

Apply for a loan Become a lender

First-lien deeds of trustReg D 506(b) — accredited onlyBuilt on Ripple’s XRP Ledger

72h

Median funding speed

≤ 70%

Max LTV at origination

12–24mo

Typical loan term

XRPL

Settlement & servicing

For borrowers

Move on your deal at deal-speed.

Settlemark is built for real-estate operators who can’t afford a 30-day bank underwrite. We close fast because our process is built for speed — not because we cut corners.

Start your application

Funded in 72 hours

Apply, sign, fund. No 30-day underwriting cycle. Wire to closing attorney IOLTA same-day on approval.

Real underwriting, not credit-score-only

We underwrite the property, the deal, and the sponsor. Strong sponsors with thin credit are welcome.

Predictable terms

Fixed-rate, interest-only monthly payments. No surprise fees. Clear payoff statements on demand.

Built for fix-and-flip + DSCR rentals

Business-purpose loans secured by first-lien deeds of trust. NC and TX at launch.

For lenders

Real yield, on chain.

Settlemark’s lender pool funds the loans we originate. You earn yield on interest payments, distributed monthly in RLUSD directly to your XRPL wallet — with the underlying note secured by real US property.

Get started

Available to accredited investors only. Lender access opens Q3 2026.

Monthly RLUSD distributions

Interest paid in RLUSD on the XRP Ledger. Settles in seconds, costs pennies, with an on-chain receipt.

First-lien security

Every loan is backed by a first-position deed of trust on US real estate. Senior to all other creditors.

On-chain transparency

Every loan has an MPT on XRPL referencing the executed loan docs by IPFS hash. Verify positions yourself.

Qualified custody

BitGo Trust holds keys via MPC. Settlemark retains compliance freeze + clawback authority only.

How it works

From application to monthly payout.

One platform spans the whole loan lifecycle. Borrowers and lenders see exactly what’s happening at every step.

01
Borrower
Apply
Submit the property, your entity, and your exit strategy. Five steps, ~10 minutes. We respond within one business day.
02
Settlemark
Underwrite & approve
We pull comps, verify title, and issue a term sheet. Sign electronically.
03
Lenders
Pool funds in RLUSD
Accredited lenders commit RLUSD to the approved loan. Position is recorded on XRPL with a permissioned MPT.
04
Settlemark
Fund
RLUSD is converted to USD and wired to the closing attorney IOLTA. Deed of trust recorded at the county.
05
Borrower
Pay monthly
Interest-only ACH payments. Pay off any time.
06
Lenders
Receive RLUSD
Each month, your pro-rata share is distributed automatically to your XRPL wallet with a permanent on-chain receipt.

Compliance & trust

Institutional-grade by design.

We built Settlemark to pass an LP audit on day one. Every counterparty in our stack is regulated or contractually accountable.

Custody: BitGo Trust — MPC + offline Shamir recovery
KYC / AML: Persona + ComplyAdvantage continuous screening
Accreditation: Parallel Markets verification, 5-year validity
Securities: Reg D 506(b) — accredited investors only
Stablecoin: Ripple USD (RLUSD) on the XRP Ledger
Recordkeeping: Immutable hash-chained audit log; 7-year retention

FAQ

Common questions.

Don’t see your question? Email us.

Who can borrow from Settlemark?: Business entities (typically an LLC) acquiring or refinancing investment real estate in North Carolina or Texas at launch. Loans are business-purpose only; consumer-purpose mortgages are out of scope.
What does the borrower do with crypto?: Nothing. Borrowers receive USD wires to their closing attorney and pay monthly via standard ACH. Settlemark handles the RLUSD/XRPL settlement layer for lenders behind the scenes.
Who can lend on Settlemark?: Accredited investors verified through Parallel Markets, subject to KYC/AML screening. Lender access opens in Phase 2 (Q3 2026 target).
How are lender funds protected?: Loans are senior, first-position liens on real US property at conservative LTV ratios. Lender RLUSD positions are held in BitGo Trust MPC custody. Every loan is anchored on XRPL with an immutable reference to the signed loan documents.
What is RLUSD?: Ripple USD — a fully-backed US dollar stablecoin issued on the XRP Ledger by Ripple. We use RLUSD because settlement on XRPL is sub-second, costs fractions of a cent, and produces a permanent on-chain receipt.
Is Settlemark a registered investment adviser or broker-dealer?: Settlemark Capital LLC is a private credit fund manager operating under Reg D 506(b). It is not an investment adviser or broker-dealer. This site is not an offer to sell or a solicitation of an offer to buy any security.

Ready to move?

Apply for a loan, or get on the early-access list for accredited lenders. Most applications get a response within one business day.