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Pencil Finance

Pencil Finance lets users invest in tokenized student loan bundles through a dual-tranche model, offering fractional exposure and on-chain returns.
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Maintainer signals as of Aug 10, 2026


Description

Pencil Finance helps investors access tokenized student loan portfolios by connecting verified loan originators with on-chain capital. Users can allocate to Senior or Junior tranches with defined payoff rules and track repayments on-chain. The platform focuses on transparent cash flow, risk separation, and structured redemptions.

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