The credit union
your team deserves.
Hyve lets any small business give employees real financial benefits — pooled savings, fair-rate emergency loans, and on-chain credit history. No bank. No charter. No capital from the employer.
Powered by XRPL Single Asset Vault · Lending Protocol · XLS-70 Credentials · RLUSD
The problem
When emergencies hit,
workers have nowhere to turn.
Most SMB employees live paycheck to paycheck. When they need $500, their options are brutal.
Payday loan
300%+ APR
Credit card
25% APR
Hyve vault loan
5–8% APR
How it works
One flow. All primitives.
Employer creates vault
Spins up a Single Asset Vault (XLS-65) on XRPL Devnet in minutes. Issues employee credentials (XLS-70) to their team.
Employees deposit
Workers deposit a slice of their paycheck in RLUSD. They receive vault shares and idle capital earns yield.
Emergency loan
Employee draws a loan from the pool (Lending Protocol, XLS-66) — credentialed, uncollateralized, fast.
Repayment
Employee repays via payroll deduction. Vault stays healthy. Other workers' capital is protected.
Credit earned
Full repayment triggers a 'creditworthy' credential on-chain. Portable, permanent, no bank needed.
Built for both sides
For employees
"Emergency cash at fair rates. Savings that grow. No bank needed."
- ✓Borrow from a pool you contributed to at 5–8% — not 300%
- ✓Auto-save a slice of every paycheck and earn yield
- ✓No credit score, no SSN required — just your wallet
- ✓Build portable on-chain credit history with every repayment
- ✓Works for unbanked and underbanked workers
For employers
"A real financial benefit for your team that costs you nothing to fund."
- ✓Spin up a vault in minutes — no bank, no charter needed
- ✓Workers fund the pool themselves — zero capital from you
- ✓Financial wellness benefits reduce turnover significantly
- ✓Payroll deduction handles repayments — no HR overhead
- ✓You're the credential issuer, not the lender. No liability.
Under the hood
Every XRPL primitive has a job.
Hyve isn't a single-feature demo. Every primitive does real work.
Single Asset Vault
Pools employee RLUSD deposits. Workers receive vault shares representing their stake.
Lending Protocol
Fixed-term, uncollateralized loans drawn from the vault. 5% APR, 6 payments, 30-day intervals.
Credentials
Employer issues 'employee' credential on onboarding. Full repayment mints 'creditworthy' on-chain.
Stablecoin
All deposits, loans, and repayments are in RLUSD — stable, fast, and programmable.
Real transactions
Every action is a real on-chain XRPL transaction with a hash you can verify in the explorer.
Trust anchor
The employer-controlled LoanBroker gates who can draw. Credentials are the access control layer.
Ready to run the demo?
Employer creates a vault → onboards employees → employees deposit and borrow → full repayment earns a credential. End to end, all primitives, one flow.