Pencil FinanceLaunch app

Bringing $3 Trillion
Student Loans
On-Chain

Invest in tokenized student loan pools and earn returns. Use EduFi tokens to stake, govern, and enhance liquidity.

Launch appGet Started as a Lender
Pencil Finance
EDU ChainOpen CampusHackQuest

How it works

A simple and transparent process that connects investors with lending companies, making student loan investments seamless and accessible for everyone.

Investors

Browse loan pools

Explore available loan bundles with different risk levels and returns.

Purchase fractional shares of loan bundles

Invest in a portion of a loan bundle by choosing Junior or Senior Tranche tokens.

Earn returns and track investments

Receive interest payouts or redeem your investment at the end of the staking period, all while monitoring performance in your dashboard.

Lenders

Tokenize your student loans

Convert loan assets into digital tokens to make them investable.

List them on the platform

Publish loan bundles with set terms, interest rates, and redemption options for investors.

Access a wider pool of accredited investors

Connect with investors looking for alternative fixed-income opportunities.

Beyond the Loans

Broaden the impact of your student loan investments. Drive financial inclusion, enhance education and create new opportunities beyond lending

Liquidity & Yield

Invest in tokenized student loan pools and earn returns, Use EduFi tokens to stake, govern, and enhance liquidity

Security & Risk Protection

Protect investments with underwriting pools

Governance

Have a say in platform decisions through decentralized voting

Deflationary Model

Benefit from a token buyback and burn strategy

abelsavanna

2+ Student Loan
Companies Joined

Light Star

New bundle added regularly

Pencil Finance