Pencil Finance

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

DeFiLlama publishes the exact rules used to aggregate on-chain balances into the headline TVL figure shown on this page. The methodology below is the team's own source-of-truth description.

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

If a contract or vault isn't in this list, its balance does not contribute to the TVL displayed on Mantapex or DeFiLlama.

Wichtige Ereignisse, die von der DeFiLlama-Community markiert wurden — Protokoll-Launches, Exploits, Governance-Änderungen und Anreizprogramme.

1. Apr 29, 2025
   Auf DeFiLlama gelistet

Pencil Finance is a RWA Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed on EDU Chain.

Verified external resources for Pencil Finance — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

Pencil Finance is one of 7 RWA Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include USD AI, Aave Horizon RWA, Pareto Credit, and 3 more. These peer protocols collectively secure 827,4 Mio. $ in deposits, giving you a frame of reference for whether Pencil Finance's own TVL is at the top, middle, or tail of the category.

USD AI

TVL 332,5 Mio. $ · 24h -0.17%

Aave Horizon RWA

TVL 274,5 Mio. $ · 24h +0.30%

Pareto Credit

TVL 179,6 Mio. $ · 24h -0.01%

Figure Markets Democratized Prime

TVL 20,9 Mio. $ · 24h -0.01%

cSigma Finance

TVL 12,7 Mio. $ · 24h -0.00%

Kasu

TVL 7,2 Mio. $ · 24h +6.00%