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

V3 - Governance Integration

  • Launch of $PEN token as the protocol’s governance token

  • Deployment of the Pencil DAO for community-led decision-making:

    • Voting on lending partner whitelisting, protocol parameters, and fee structures

  • Full decentralization of fund and treasury management

  • Enhanced performance analytics, including:

    • Historical yields

    • Default rates

    • Real-time bundle health metrics

  • Institutional-grade reporting and compliance tools

  • Introduction of liquidity mining for ecosystem incentives

  • Support for liquidity staking using $PEN or other assets

  • Launch of additional structured yield products to diversify investor strategies

PreviousV2 – Aggregated loan poolsNextV4 – Neo-Banking for Student Financing

Last updated 16 days ago