Goldfinch

Goldfinch is a company that provides a decentralized credit protocol allowing for crypto borrowing without the need for crypto collateral. It features a Senior Pool offering a USDC APY of 7.6% and manages various borrower pools with distinct terms and managed entities. The investments within these pools are automated by the protocol and overseen by global partners specializing in different sectors and regions. Goldfinch employs a unique entity check to verify the uniqueness of participants such as backers and borrowers. It also offers loans that are fully collateralized off-chain, which sets it apart from traditional decentralized finance (DeFi) lending models. As of the latest reports, Goldfinch has an active loan value of $99,470,695 and a 30-day protocol revenue of $100,138. The protocol utilizes its native token, GFI, for purposes including governance, rewards, and staking. Additionally, Goldfinch provides liquidity options with comprehensive mechanisms for withdrawals and redeployment tailored to the protocol’s liquidity needs. The company also offers extensive documentation and resources for developers interested in engaging with its protocol mechanics and governance.