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Logo of Pencil FinancePencil Finance
Total Value Locked$6.96

TVL by Chain

EDU Chain$6.96

Protocol Information

Pencil Finance is a DeFi lending protocol that tokenizes real-world student loans, offering risk-adjusted yields via a dual-tranche system backed by off-chain repayments.

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Category:RWA Lending

Methodology

TVL: TVL is calculated based on totalAssets() (WEDU tokens) held by the Pencil Finance Staking Vault on EduChain (OCC chain).View code on GitHub

Competitors

Aave Horizon RWA ($258.24m)Figure Markets Democratized Prime ($248.63m)Pareto Credit ($235.21m)USD AI ($173.54m)3F ($29.17m)cSigma Finance ($21.6m)Kasu ($11.99m)Credit Coop ($4.39m)Goldfinch ($1.64m)Isle Finance ($928,920.32)

Frequently Asked Questions

What is Pencil Finance's TVL?

Pencil Finance currently has $6.96 in total value locked. TVL has increased 39.2% over the past 30 days.

What chains does Pencil Finance operate on?

Pencil Finance operates on EDU Chain. EDU Chain holds the largest share at 100%.

How does Pencil Finance's TVL compare to similar protocols?

Among RWA Lending protocols tracked by DefiLlama, Pencil Finance ranks #22 by TVL. The category holds $987.07m across 26 protocols, and Pencil Finance accounts for <0.1% of that total. Other leading protocols include Aave Horizon RWA, Figure Markets Democratized Prime, Pareto Credit, USD AI, 3F, cSigma Finance, Kasu, Credit Coop, Goldfinch, and Isle Finance.