Pencil Finance
@pencilfinance_
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Building the world's first student loan RWA protocol. 🔗 On a mission to bring the $3T student loan market on-chain.
Joined April 2025
Together with @opencampus_xyz & @educhain_xyz, we’re bringing the education market on-chain. It’s meaningful. It’s scalable. And it’s long overdue. Let’s build something that actually matters.
.@opencampus_xyz $EDU is pioneering the shift of the $5T education market to the blockchain. There are over 1.5b students today & education like @TinyTapEDU or student loans @pencilfinance_ are among the most compelling use cases to win over web3 critics
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Thanks for the support! Let's make education more accessible for everyone!.
Animoca Brands Invests $10 Million in Pencil Finance for Student Loans on Edu Chain congrats to @animocabrands and @ysiu
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We believe that a great RWA project isn't just about yield — it’s about impact. We’re using DeFi to solve a real problem: making education more accessible for students everywhere. Thanks for believing in what we’re building. 💙.
Wait… someone actually brought student loans on-chain?. And made them investable??. Pencil Finance might be the weirdest (and smartest?) RWA I’ve seen in a minute. > Lenders tokenize real student loans.> Investors pick a tranche (fixed vs high yield).> Capital goes to students
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Thanks for the detailed walkthrough of Pencil Finance! WAGMI!.
The $3T+ student loan market just got onchain competition 🔥. @pencilfinance_, a DeFi protocol for student loans, has secured $10m from @opencampus_xyz & @animocabrands to build a new onchain paradigm for student loans. Here's all you NEED to know about this emerging niche ↓
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What if student loans could be:. ✅ Transparent.✅ Fairly priced.✅ Globally investable. We’re turning a broken system into a real-world asset class. Because capital should power potential — not trap it. #EduFi #DeFiWithImpact #RWA.
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🎓Global student loan markets are broken:. - Interest rates >10% in many countries.- Students forced into opaque systems.- Lenders locked out of global capital. Education deserves better. It’s time to rethink how we fund the future. #DeFi #RWA #StudentLoans.
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Repayment Waterfall.Every repayment follows this fixed order:.1. Senior Principal.2. Senior Interest.3. Junior Principal.4. Junior Interest.This structure protects GROW holders. Juniors only get paid once Seniors are fully covered — and take first losses in case of default.
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Let's leverage the power of Web3 to expand access to education for students worldwide.
This is an important moment to demonstrate the importance and meaning of web3 which is providing better, more efficient and effective financial services to those that need it most. It also introduces financial literacy to students and is a true service to society. Powered by $EDU.
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That’s the Pencil Finance V0, built end-to-end to turn student loans into a capital-efficient, yield-generating RWA. For more detailed mechanism, check out our official docs: Follow @pencilfinance_ to fund the future of education.
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How It Works.1. Whitelisted student loan partners tokenize student loan bundles.2. Investors choose between two tranches:.- Senior Tranche ($GROW): Fixed yield.- Junior Tranche (EDUFI NFT): Higher yield, first-loss pool.3. Capital is deployed → repayments flow back on-chain
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The Vision.Make education financing:.- Transparent.- Borderless.- Capital-efficient.While creating real-world, impact-driven yield for DeFi investors.
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Dual Tranche Model.Each loan bundle is split into two tranches:.1. 80% Senior Tranche (lower risk with fixed rate) - Receives $GROW token to represent their share. 2. 20% Junior Tranche (higher yield, first-loss protection) - Receives EduFi NFT to retrieve interest after each
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@ysiu @opencampus_xyz @TinyTapEDU Let's bring education onchain and make it more accessible to everyone!.
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