Pencil Finance

Total Value Locked

Chain Breakdown
EDU Chain	$10.96m

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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.

Category:RWA Lending

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Methodology

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

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Competitors

cSigma Finance ($11.72m)Goldfinch ($675,116)Credix ($86,203)Vivacity Finance ($67,132)Tinlake ($61,311)Atlendis V2 ($1,012)Florence Finance ($0)ALTA Finance ($0)HELIX Finance ($0)Joltify RWA ($-22,497)