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 Finance
Logo of Pencil FinancePencil Finance
Total Value Locked$4.94

TVL by Chain

EDU Chain$4.94

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.

CategoryRWA Lending
WebsiteTwitter

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