pencilfinancedocs
  • Introduction
    • What is Pencil Finance?
    • Why Student Loans?
    • Product Overview
  • Protocol Overview
    • Core Architecture
    • Dual Tranche Model
    • GROW Token (ERC-20)
    • EDUFI NFT (ERC-721)
    • Redemption
    • Protocol Fees
  • Risk Management
    • Defaults and Loss Handling
    • Security Measures and Partner Safeguards
  • Smart Contract Architecture
  • Product Roadmap
    • V0 – Core Architecture [Finished]
    • V1 – Protocol Optimization [In Progress]
    • V2 – Aggregated loan pools
    • V3 - Governance Integration
    • V4 – Neo-Banking for Student Financing
  • Getting Started
    • Quickstart
    • Publish your docs
  • Basics
    • Editor
    • Markdown
    • Images & media
    • Interactive blocks
    • OpenAPI
    • Integrations
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  1. Product Roadmap

V0 – Core Architecture [Finished]

  • Launch of dual-tranche lending model (Senior Grow Token & Junior EDUFI NFT)

  • Onboarding of whitelisted lending partners

  • Core smart contract infrastructure:

    • Loan bundling and on-chain tokenization

    • Capital deployment, repayment, and redemption flows

    • Waterfall-based repayment logic for tranche distribution

  • Key features:

    • 10% reserve liquidity buffer for early redemptions

    • FIFO withdrawal queue for capital stability

    • Auto-triggered redemptions at loan maturity

    • On-chain repayment tracking dashboard for investors

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Last updated 23 days ago