Pencil Finance
Bringing $3 Trillion in Student Loans On-Chain
Videos
Description
✏️ 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.
Offical Website:
https://pencil-finance-frontend.pages.dev/
Smart Contract Deployment:
https://www.notion.so/Smart-Contract-Deployment-1d85d7b2642e801891b7d30dbf7da082?pvs=4