Active loans are not included in TVL by default, to include them toggle Active Loans. For more info, read the active loans discussion.
Ask about Goldfinch · freeTotal Value Locked$2.1m
TVL by Chain
Ethereum$2.1m
Key Metrics
Fees 30d$1,653
Fees 30d by chain
Ethereum$1,653
Fees 7d$1,001
Ethereum$1,001
Fees 24h$631
Ethereum$631
Cumulative Fees$32.77m
Ethereum$32.77m
Revenue 30d$1,653
Revenue 30d by chain
Ethereum$1,653
Revenue 7d$1,001
Ethereum$1,001
Revenue 24h$631
Ethereum$631
Cumulative Revenue$3.9m
Ethereum$3.9m
Incentives 1y$0
Incentives 30d$0
Incentives 7d$0
Incentives 24h$0
Cumulative Incentives$132.46m
Earnings (Annualized)$166,539
Earnings 30d$1,653
Earnings 7d$1,001
Earnings 24h$631
Cumulative Earnings-$128.56m
Market Cap$3.16m
$GFI Price$0.033
Fully Diluted Valuation$3.79m
Outstanding FDV$3.79m
$GFI Volume 24h$64,012
CEX Volume$58,949
DEX Volume$0(0% of total)
Active Loans$0
Protocol Information
Goldfinch is a decentralized credit protocol, built for the future when all debt is on-chain. It offers sustainable, high-quality yields that are generated by real-world economic activity, sheltered from DeFi's volatility.
Methodology
TVL: The base TVL metric counts only excess USDC liquidity in the Senior Pool, and USDC in all the Borrower Pools. The Borrowed TVL component additionally counts loans made by the Senior Pool and the Backers of all Borrower Pools.View code on GitHubFees: Interest, payment, and reserve fees paid by users.View code on GitHubRevenue: Reserve fees are revenue.View code on GitHubIncentives: Tokens allocated to users through liquidity mining or incentive schemes, typically as part of governance or reward mechanisms.
Earnings: Revenue of the protocol minus the incentives distributed to users
Hacks
Date: Dec 2, 2025
Amount: $330,000
Classification: Access Control
Technique: Token Approval Abuse
A flaw in Goldfinch's legacy collectInterestRepayment() function permitted transfers from any approved address without proper safeguards. An attacker deposited USDC to manipulate share price, then repeatedly withdrew inflated amounts, draining the victim's holdings through the contract's misconfigured approval logic.
Chains: Ethereum
Language: Solidity
Target Type: DeFi Protocol
Competitors
Goldfinch history
TVL is the default DefiLlama definition, which excludes Active Loans. Daily values are UTC snapshots from Aug 26, 2021 to Nov 5, 2026.
All-time high TVL: $53.47m on Feb 21, 2022. All-time low TVL: $453,707 on Oct 7, 2025.
Daily TVL, Oct 7, 2026 to Nov 5, 2026
| Date | TVL |
|---|---|
| Oct 7, 2026 | $1.94m |
| Oct 8, 2026 | $1.94m |
| Oct 9, 2026 | $1.92m |
| Oct 10, 2026 | $1.91m |
| Oct 11, 2026 | $1.9m |
| Oct 12, 2026 | $1.9m |
| Oct 13, 2026 | $1.9m |
| Oct 14, 2026 | $1.9m |
| Oct 15, 2026 | $1.9m |
| Oct 16, 2026 | $1.89m |
| Oct 17, 2026 | $1.89m |
| Oct 18, 2026 | $1.89m |
| Oct 19, 2026 | $2.39m |
| Oct 20, 2026 | $2.39m |
| Oct 21, 2026 | $2.39m |
| Oct 22, 2026 | $2.38m |
| Oct 23, 2026 | $2.37m |
| Oct 24, 2026 | $2.36m |
| Oct 25, 2026 | $2.36m |
| Oct 26, 2026 | $2.31m |
| Oct 27, 2026 | $2.31m |
| Oct 28, 2026 | $2.3m |
| Oct 29, 2026 | $2.3m |
| Oct 30, 2026 | $2.27m |
| Oct 31, 2026 | $2.25m |
| Nov 1, 2026 | $2.25m |
| Nov 2, 2026 | $2.25m |
| Nov 3, 2026 | $2.23m |
| Nov 4, 2026 | $2.22m |
| Nov 5, 2026 | $2.1m |
TVL at each month end, Dec 2024 to Nov 2026
| Date | TVL |
|---|---|
| Dec 31, 2024 | $2.66m |
| Jan 31, 2025 | $1.16m |
| Feb 28, 2025 | $962,025 |
| Mar 31, 2025 | $869,268 |
| Apr 30, 2025 | $695,646 |
| May 31, 2025 | $665,701 |
| Jun 30, 2025 | $640,205 |
| Jul 31, 2025 | $617,661 |
| Aug 31, 2025 | $463,631 |
| Sep 30, 2025 | $458,839 |
| Oct 31, 2025 | $784,166 |
| Nov 30, 2025 | $4.79m |
| Dec 31, 2025 | $2.16m |
| Jan 31, 2026 | $1.68m |
| Feb 28, 2026 | $1.59m |
| Mar 31, 2026 | $1.48m |
| Apr 30, 2026 | $1.34m |
| May 31, 2026 | $1.79m |
| Jun 30, 2026 | $1.46m |
| Jul 31, 2026 | $1.92m |
| Aug 31, 2026 | $1.7m |
| Sep 30, 2026 | $2.05m |
| Oct 31, 2026 | $2.25m |
| Nov 5, 2026 (latest) | $2.1m |
TVL at each year end, Dec 31, 2021 to Dec 31, 2025
| Date | TVL |
|---|---|
| Dec 31, 2021 | $1.97m |
| Dec 31, 2022 | $1.38m |
| Dec 31, 2023 | $12.02m |
| Dec 31, 2024 | $2.66m |
| Dec 31, 2025 | $2.16m |
Fees and revenue by UTC calendar month, Dec 2024 to Nov 2026
| Month | Fees | Revenue |
|---|---|---|
| Dec 2024 | $92,711 | $10,952 |
| Jan 2025 | $164,371 | $26,720 |
| Feb 2025 | $83,419 | $9,447 |
| Mar 2025 | $82,286 | $8,314 |
| Apr 2025 | $129 | $129 |
| May 2025 | $34 | $34 |
| Jun 2025 | $61 | $61 |
| Jul 2025 | $69 | $69 |
| Aug 2025 | $691 | $691 |
| Sep 2025 | $18 | $18 |
| Oct 2025 | $271,009 | $27,874 |
| Nov 2025 | $1.18m | $125,497 |
| Dec 2025 | $11,945 | $11,945 |
| Jan 2026 | $2,159 | $2,159 |
| Feb 2026 | $416 | $416 |
| Mar 2026 | $1,563 | $1,563 |
| Apr 2026 | $2,243 | $2,243 |
| May 2026 | $96,884 | $10,256 |
| Jun 2026 | $1,489 | $1,489 |
| Jul 2026 | $1,555 | $1,555 |
| Aug 2026 | $3,872 | $3,872 |
| Sep 2026 | $3,366 | $3,366 |
| Oct 2026 | $1,432 | $1,432 |
| Nov 2026 (to date) | $1,381 | $1,381 |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/goldfinch
Frequently asked questions
What is Goldfinch's TVL?
As of Nov 5, 2026, Goldfinch has $2.1m in total value locked. TVL has increased 7.7% over the past 30 days.
What chains does Goldfinch operate on?
Goldfinch operates on Ethereum. Ethereum holds the largest share at 100%.
How much has Goldfinch generated in fees and revenue?
Over the past 30 days, Goldfinch generated $1,653 in fees. Of that, $1,653 was protocol revenue. Based on the trailing year, the annualized rate is $1.31m in fees and $166,539 in revenue.
What is the GFI token price and valuation?
GFI is currently trading at $0.033. Its circulating market capitalization is $3.16m, ranking it #2,445. Its fully diluted valuation is $3.79m. Supply currently stands at 95.24m circulating, 114.29m total supply, 114.29m maximum supply.
How has GFI performed recently?
GFI is down 9.9% over the past 7 days and down 18.5% over the past 30 days. Its all-time high is $32.94, reached on Jan 11, 2022. The token is currently 99.9% below that level.
How does Goldfinch's TVL compare to similar protocols?
Among Uncollateralized Lending protocols tracked by DefiLlama, Goldfinch ranks #3 by TVL. The category holds $19.29m across 20 protocols, and Goldfinch accounts for 10.9% of that total. Similar protocols include 3Jane Lending, Wildcat Protocol, Accountable, Union Protocol, Pareto Credit, Credit Coop, Clearpool Lending, Ribbon Lend, dAMM Finance, and TrueFi.
How much has been borrowed through Goldfinch?
As of Nov 5, 2026, Goldfinch has $0 in active loans.
Has Goldfinch ever been exploited?
Goldfinch has 1 recorded security incident. The most recent incident occurred on Dec 2, 2025 and involved $330,000. It was classified as Access Control.