Pencil Finance

-RWA Lending

DeFiLlama RWA Lending·US$19.4 TVL·-0.00% 1h·-0.00% 24h·-0.00% 7d·1 chains

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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 时间线

由 DeFiLlama 社区标记的重要事件——协议上线、安全攻击、治理变更和激励计划。

Apr 29, 2025
上线 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.

按链划分的 TVL 分布

EDU Chain

US$19.4(100.0%)

支持的链

EDU Chain

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.

Project Website

pencilfinance.io

Twitter / X — @pencilfinance_

twitter.com

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 US$8.3亿 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 US$3.3亿 · 24h -0.17%

Aave Horizon RWA

TVL US$2.7亿 · 24h +0.30%

Pareto Credit

TVL US$1.8亿 · 24h -0.01%

Figure Markets Democratized Prime

TVL US$2092.5万 · 24h -0.01%

cSigma Finance

TVL US$1265.8万 · 24h -0.00%

Kasu

TVL US$721.5万 · 24h +6.00%

Browse all RWA Lending protocols on Mantapex

Pencil Finance 最新动态

Latest reporting from major crypto news outlets covering Pencil Finance.

相关协议

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.