The world's first RWA protocol for Student Loans
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