Pencil Finance - Student Loan RWA

✏️ What is Pencil Finance?

Pencil Finance is a decentralized lending protocol designed to bring student loan financing on-chain. It connects global investors with trusted student loan originators through tokenized loan bundles. By leveraging blockchain technology and a dual-tranche system, Pencil Finance ensures capital efficiency, risk-adjusted returns, and transparency for both investors and lending companies.

Our mission is to make education financing more accessible while opening a new, impact-driven asset class for DeFi participants.

💰 Invest and Earn Interest in Pencil Finance

With Pencil Finance, individual and institutional investors can:

• Browse curated loan bundles created by verified lending partners from around the world.

• Choose from two types of tokens:

  • Senior Tranche (Grow Token) – Lower risk, fixed return, paid at the end of the staking period.

  • Junior Tranche (NFT) – Higher risk, higher yield, with monthly or quarterly interest payouts.

• Track their portfolio via a personalized dashboard showing returns, bundle status, token value, and transaction history.

• Withdraw interest or redeem tokens based on bundle structure and maturity terms.

By participating, investors earn competitive yield while helping students access affordable education.

🏫 Lend and Raise Funds in Pencil Finance

Verified student loan companies (lending partners) can:

• Tokenize their student loan portfolios into investable bundles using a transparent, structured process.

• Create bundles with customizable parameters (total amount, tranche ratio, interest rates, maturity period).

• List bundles on the Pencil Finance platform to raise funds from a global pool of DeFi investors.

• Manage bundles through a dedicated dashboard:

  • Withdraw loan capital as needed

  • Deposit repayments and interest

  • Post updates and financial reports

Lending companies gain access to non-dilutive, flexible capital, reduce dependence on traditional financial intermediaries, and improve trust through transparent repayment tracking on-chain.

Why build on U2U Network?

• Vietnam: A Strategic Launchpad for Student Financing
  Vietnam has one of the highest university enrollment rates in the region, yet access to affordable student loans remains limited. Interest rates are often high, and financing options are fragmented. By launching on U2U, a leading blockchain native to Vietnam, Pencil Finance is well-positioned to solve a real, urgent problem—starting where the need is most pressing.

• Designed for Southeast Asia
  Southeast Asia is home to over 200 million youth, many of whom face financial barriers to higher education. U2U’s local presence, developer ecosystem, and growing adoption across SEA make it the ideal foundation for a student lending protocol looking to scale in emerging markets.

• Low-Cost, Scalable Infrastructure
  On-chain loan repayments, interest distribution, and credit tracking require a fast, low-fee network. U2U delivers high performance and low gas fees, making it possible to support microloans and mass participation without compromising on user experience.

• Shared Mission: Financial Inclusion Through Technology
  U2U and Pencil Finance share a common vision: using blockchain to expand access to capital and opportunities. With strong local roots and global interoperability, U2U empowers us to bring transparent, accessible education financing to underserved communities.

Offical Website:

https://dev.pencilfinance.io/