What is Pencil Finance?

What is Pencil Finance?

Pencil Finance is a decentralized lending protocol purpose-built to bring real-world student loan financing on-chain. By connecting global investors with verified student loan originators, Pencil transforms student debt into an investable, transparent, and impact-driven asset class. The protocol leverages blockchain infrastructure, a dual-tranche capital model, and smart contracts to facilitate a more efficient and equitable flow of capital into education.

Unlike traditional DeFi models that rely heavily on crypto collateral, Pencil Finance is anchored in real-world student loan portfolios, offering tangible impact and structured risk-adjusted returns. This positions Pencil as a gateway for both institutional and retail DeFi participants to earn sustainable yield while funding education.

Mission & Vision

Mission: To democratize education financing by creating open access to capital markets through decentralized infrastructure.

Vision: To build a global, on-chain marketplace where student lending is transparent, efficient, and inclusive—bridging real-world impact with the scalability and innovation of DeFi.