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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