Pencil Finance
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Protocol TVL
About 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.
Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.
How Pencil Finance's TVL is measured
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.
Pencil Finance Timeline
Major events flagged by the DeFiLlama community — protocol launches, exploits, governance changes, and incentive programs.
- Apr 29, 2025Listed on DeFiLlama
Protocol Profile
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.
TVL Distribution by Chain
Supported Chains
Official Resources & Links
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.
Other RWA Lending protocols on Mantapex
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 $827.4M 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.
Recent Pencil Finance news
Latest reporting from major crypto news outlets covering Pencil Finance.
- The Currency Analytics
Helius CEO Vows to Shave His Head if Solana Fails to Flip XRP
In a moment that perfectly captures the competitive spirit of the crypto world, Mert Mumtaz, CEO of the Solana-based development platform Helius, has made a bold — and humorous —…
- Crypto news
Crypto VC funding: Celestia, Infinex, Pencils Protocol score backing
In this week's venture capital update, more than $253 million flowed into the crypto startup world, although the bulk of that funding went to the blockchain network Celestia…
Related protocols
Other DeFi protocols connected to Pencil Finance by category, deployment chain, or shared codebase lineage — useful for comparing TVL, fee models, or audit posture across direct peers.
Other RWA Lending protocols
Top protocols on EDU Chain
Fork lineage & related versions
Risk Warning
DeFi protocols carry inherent risks including smart contract vulnerabilities, liquidity risks, and potential loss of funds. Always do your own research before investing.
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