Owning SOIL: Uses, Storage and Risks

SOIL is the token associated with Soil, a blockchain-based debt marketplace connecting companies seeking financing with crypto investors who lend stablecoins. The protocol says that lending returns are backed by real-world assets and come from off-chain corporate debt. That does not mean simply holding SOIL earns those returns: the described lending activity uses stablecoins, and the token’s role should be checked in Soil’s current terms before you rely on it for any rights, rewards or governance.

SOIL is therefore different from a stablecoin or a direct share in a loan. Its market price can move independently of any lending returns. As a dated snapshot, SOIL traded at about $0.11, with a market capitalization of about $8.7 million and 24-hour trading volume of about $26,800 as of 2026-11-08. These figures can change quickly and may not reflect the price or liquidity available when you trade.

SOIL is issued on Ethereum and Polygon; it is not listed as the native token of either network. If you hold it, make sure your wallet and any exchange withdrawal support the exact network you intend to use. Sending a token on one network to an address or service expecting it on another can leave your funds inaccessible.

Both Ethereum and Polygon are commonly supported by EVM-compatible wallets, but wallet support for a network does not confirm support for SOIL itself. Before adding the token, verify its contract address through Soil’s official channels and check that the address matches the network you selected. Do not rely on a token name or symbol alone: anyone can create a token with the same name. The contract addresses and a list of specific supported wallets are not included in the project description, so confirm them directly before transferring funds.

SOIL has a maximum supply of 100 million tokens. About 77.9 million were circulating as of 2026-11-08, while the stated total supply was 100 million. The difference between circulating and total supply matters: tokens not currently circulating could affect ownership and market availability if they enter circulation later.

The figures do not specify when or how the remaining supply may be released, or whether any tokens are locked. Check Soil’s current token documentation for allocation, vesting and release details before making assumptions about future supply. A fixed maximum does not prevent the market price from falling, and it does not guarantee demand. As of the same date, the fully diluted valuation was about $11.2 million; that is an estimate based on the maximum supply and market price, not cash held by the project or a measure of funds available to token holders.

For self-custody, use a wallet that supports the network on which your SOIL is held. Keep your recovery phrase offline and private; anyone who gets it may be able to control your tokens. A hardware wallet can keep signing keys offline, but it cannot protect you if you approve a malicious transaction or send funds to the wrong address.

Before a transfer, check the network, recipient address and token contract, and consider sending a small test amount if the transaction value warrants it. Be cautious with unsolicited messages, fake support accounts and unfamiliar sites asking you to connect a wallet or sign a transaction. If you use an exchange, check its SOIL deposit and withdrawal networks, custody arrangements and account-security options. Exchange custody means you rely on the provider to safeguard and release your assets; self-custody places more responsibility on you.

SOIL carries ordinary crypto-market risks, including sharp price changes and limited liquidity. Its reported 24-hour volume was about $26,800 as of 2026-11-08, so a large order may be harder to execute near the displayed price. Check the spread and available order depth rather than assuming you can sell immediately at a quoted price.

There are also risks specific to the lending model: borrowers may default, asset values or recovery processes may differ from expectations, and legal claims involving off-chain assets may be difficult to enforce. Smart-contract bugs, wallet compromises and failures at service providers can create additional losses. Soil describes its protocol as regulated, but its project description does not identify the relevant jurisdiction or licence details; verify the legal entity, terms and protections that apply to you. Neither token ownership nor a stated real-world-asset backing guarantees repayment or a return.