Pencil Finance
The world's first RWA protocol for Student Loans
Videos
Description
Pencil Finance is the first DeFi protocol to bring real-world student loans on-chain — creating a new yield-bearing asset class backed by education.
We partner with verified student loan originators in emerging markets to tokenize loan portfolios and structure them into risk-tiered tranches. Global investors can participate via fixed-return senior tokens or high-yield junior NFTs, with repayment and defaults handled transparently on-chain.
The first loan bundles are live on EDU Chain with support from Open Campus and Animoca Brands. We have also received 10 million liquidity support from Animoca Brands.
Twitter: https://x.com/pencilfinance_
Website: https://www.pencilfinance.io/
Docs: https://pencil-finance.gitbook.io/pencilfinancedocs
Progress During Hackathon
We've deployed the Pencil Finance on Mantle Network, and we are ready to launch the next loan bundle on Mantle.
Tech Stack
Fundraising Status
We've secured 10 million liquidity support from Animoca Brands.