Active loans are not included in TVL by default, to include them toggle Active Loans. For more info on this click here.
Ask about Pencil FinanceProtocol 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.
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 GitHubFrequently Asked Questions
What is Pencil Finance?
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.
What is Pencil Finance's TVL?
Pencil Finance currently has $5.44 in total value locked. TVL has increased 8.8% 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 #21 by TVL. The category holds $926.07m across 25 protocols, and Pencil Finance accounts for <0.1% of that total. Other leading protocols include Aave, Pareto, and Figure Markets.