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

V4 – Neo-Banking for Student Financing

Pencil Finance will expand into consumer credit solutions, offering student-tailored loans and credit cards.

  • Leverage our existing network of student loan partners to underwrite and distribute consumer financing products.

  • Build a full-stack, education-driven neo-bank, supporting young professionals throughout their financial journeys.

🤝 Integration with OCID (On-Chain Credit System)

Pencil Finance will co-develop OCID into a decentralized credit scoring system.

  • Extend OCID from hiring credentials to borrower creditworthiness.

  • Students holding OCID credentials will:

    • Access lower interest rates on financing products.

    • Earn additional benefits by accumulating verified on-chain achievements.

    • Unlock broader earning opportunities across the Pencil Finance and Open Campus ecosystems.

This future phase positions Pencil Finance as the financial backbone for the next generation of on-chain learners and builders.

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Last updated 16 days ago