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Text Content

For investors

About
Overview

Mission

Docs

Whitepaper

Overview

Mission

Docs

Community

Governance

News


Borrow

Open App

Borrow

Open App


REAL YIELDS, FROM REAL COMPANIES. REALLY.

Stop worrying about crypto money games. Start lending your USDC to real
businesses worldwide.

Lend now
Learn more
7.6%
SENIOR POOL USDC APY

$99,470,695
Active Loan Value
$100,138
30-Day PROTOCOL Revenue


EXPLORE GOLDFINCH DEALS

Goldfinch yields come from real-world lending, and investments are
collateralized off-chain, which makes them distinctly different from the highly
volatile DeFi lending you may be familiar with.

Explore all deals
Managed by Lend East
Emerging Southeast Asia
USDC apy
17.0%
AMOunt
$10.15M
Duration
25 mo.
Automated by the protocol
Goldfinch Senior Pool
USDC apy
7.6%
AMOunt
Variable
Duration
Open
Managed by Almavest
Carbon Reduction Fintech
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Cauris
African Innovation
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Addem Capital
LatAm Sustainability
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Lend East
Emerging Southeast Asia
USDC apy
17.0%
AMOunt
$10.15M
Duration
25 mo.
Automated by the protocol
Goldfinch Senior Pool
USDC apy
7.6%
AMOunt
Variable
Duration
Open
Managed by Almavest
Carbon Reduction Fintech
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Cauris
African Innovation
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Addem Capital
LatAm Sustainability
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Lend East
Emerging Southeast Asia
USDC apy
17.0%
AMOunt
$10.15M
Duration
25 mo.
Automated by the protocol
Goldfinch Senior Pool
USDC apy
7.6%
AMOunt
Variable
Duration
Open
Managed by Almavest
Carbon Reduction Fintech
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Cauris
African Innovation
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Addem Capital
LatAm Sustainability
USDC apy
17.0%
AMOunt
$10M
Duration
37 mo.
Managed by Lend East
Emerging Southeast Asia
USDC apy
17.0%
AMOunt
$10.15M
Duration
25 mo.
Automated by the protocol
Goldfinch Senior Pool
USDC apy
7.6%
AMOunt
Variable
Duration
Open
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YOU’RE IN GOOD COMPANY

“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto
“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
“Among the highest USDC yields in crypto… a big step forward in the next
evolution in decentralized finance.”
Kunal Goel
Messari Research
“Goldfinch services institutions in emerging markets, with its loans
collateralized by off-chain assets. The yields are some of the best in DeFi.”
Spencer Noon
Variant Fund
“Goldfinch is uniquely able to combine DeFi with real world use cases to create
meaningful impact... designing a new credit ecosystem from scratch.”
Joe Gerber
IDEO CoLab
“We have been astounded by the depth of talent in their team, the pace and
quality of their execution, and most of all their commitment to mission.”
Kanyi Maqubela
Kindred Ventures
“Goldfinch opens DeFi’s global liquidity pool to the most prominent form of
off-chain lending: corporate lending, secured against real-world assets. The
result is that Goldfinch offers some of the best, risk-adjusted returns in
crypto.”
TJ Abood
Access Ventures
“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto
“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
“Among the highest USDC yields in crypto… a big step forward in the next
evolution in decentralized finance.”
Kunal Goel
Messari Research
“Goldfinch services institutions in emerging markets, with its loans
collateralized by off-chain assets. The yields are some of the best in DeFi.”
Spencer Noon
Variant Fund
“Goldfinch is uniquely able to combine DeFi with real world use cases to create
meaningful impact... designing a new credit ecosystem from scratch.”
Joe Gerber
IDEO CoLab
“We have been astounded by the depth of talent in their team, the pace and
quality of their execution, and most of all their commitment to mission.”
Kanyi Maqubela
Kindred Ventures
“Goldfinch opens DeFi’s global liquidity pool to the most prominent form of
off-chain lending: corporate lending, secured against real-world assets. The
result is that Goldfinch offers some of the best, risk-adjusted returns in
crypto.”
TJ Abood
Access Ventures
“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto
“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
“Among the highest USDC yields in crypto… a big step forward in the next
evolution in decentralized finance.”
Kunal Goel
Messari Research
“Goldfinch services institutions in emerging markets, with its loans
collateralized by off-chain assets. The yields are some of the best in DeFi.”
Spencer Noon
Variant Fund
“Goldfinch is uniquely able to combine DeFi with real world use cases to create
meaningful impact... designing a new credit ecosystem from scratch.”
Joe Gerber
IDEO CoLab
“We have been astounded by the depth of talent in their team, the pace and
quality of their execution, and most of all their commitment to mission.”
Kanyi Maqubela
Kindred Ventures
“Goldfinch opens DeFi’s global liquidity pool to the most prominent form of
off-chain lending: corporate lending, secured against real-world assets. The
result is that Goldfinch offers some of the best, risk-adjusted returns in
crypto.”
TJ Abood
Access Ventures
“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto
“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
 * 
 * 
 * 
 * 
 * 
 * 
 * 

“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
“Among the highest USDC yields in crypto… a big step forward in the next
evolution in decentralized finance.”
Kunal Goel
Messari Research
“Goldfinch services institutions in emerging markets, with its loans
collateralized by off-chain assets. The yields are some of the best in DeFi.”
Spencer Noon
Variant Fund
“Goldfinch is uniquely able to combine DeFi with real world use cases to create
meaningful impact... designing a new credit ecosystem from scratch.”
Joe Gerber
IDEO CoLab
“We have been astounded by the depth of talent in their team, the pace and
quality of their execution, and most of all their commitment to mission.”
Kanyi Maqubela
Kindred Ventures
“Goldfinch opens DeFi’s global liquidity pool to the most prominent form of
off-chain lending: corporate lending, secured against real-world assets. The
result is that Goldfinch offers some of the best, risk-adjusted returns in
crypto.”
TJ Abood
Access Ventures
“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto
“Goldfinch is dramatically expanding lending to more potential borrowers and
capital providers.”
Arianna Simpson
a16z
“Among the highest USDC yields in crypto… a big step forward in the next
evolution in decentralized finance.”
Kunal Goel
Messari Research
“Goldfinch services institutions in emerging markets, with its loans
collateralized by off-chain assets. The yields are some of the best in DeFi.”
Spencer Noon
Variant Fund
“Goldfinch is uniquely able to combine DeFi with real world use cases to create
meaningful impact... designing a new credit ecosystem from scratch.”
Joe Gerber
IDEO CoLab
“We have been astounded by the depth of talent in their team, the pace and
quality of their execution, and most of all their commitment to mission.”
Kanyi Maqubela
Kindred Ventures
“Goldfinch opens DeFi’s global liquidity pool to the most prominent form of
off-chain lending: corporate lending, secured against real-world assets. The
result is that Goldfinch offers some of the best, risk-adjusted returns in
crypto.”
TJ Abood
Access Ventures
“[Goldfinch] is one of the more sophisticated identity-based approaches”
Lucas Baker
Jump Crypto


BACKED BY VISIONARIES




PUT YOUR STABLECOINS TO WORK

Use DeFi's global credit marketplace to harness sustainable APYs from businesses
creating real value in the world.


OPTIONS TO OPTIMIZE FOR YIELD, OR OPTIMIZE FOR EASE.

Two ways to supply



SUSTAINABLE YIELDS, GLOBAL REACH, UNCORRELATED TO CRYPTO MARKETS

Real-world returns



LIQUIDITY WITH CHOICES TAILORED TO YOU.

Liquidity options



EARLY BIRDS GET THE ALPHA.

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BACKERS


INVEST DIRECTLY IN PREVIOUSLY EXCLUSIVE DEALS

Evaluate individual deals, and supply USDC directly to attractive Borrowers
across a global reach of high-return markets previously only accessible to
institutional insiders.

Assess Borrowers, back the ones you believe in with first-loss investment on
secured loans, access liquidity, and earn the protocol’s highest yields.

Invest
Learn more

SENIOR POOL


AN AUTOMATED HIGH-YIELD PORTFOLIO IN ONE STEP

Deposit in the Senior Pool to automatically diversify your investment across all
Goldfinch Borrower Pools, based on the protocol’s novel “trust through
consensus” community vetting mechanism.

Invest
Learn more
Rewards


INCENTIVES TO MATCH YOUR NEEDS

Community-driven incentives match your participation needs. Earn more GFI by
staking FIDU from participation in the Senior Pool, or get a bonus as a Backer.

Learn more



INTRODUCING GFI

View it on:
Coinbase
Gemini
Coingecko
Token terminal
Dune

Quadratic voting. Rewards. Community power. Incentives. Staking. Grants.
Liquidity mining. Do it all with Goldfinch’s native token, GFI.

Learn more
Borrowers


PROVEN BORROWERS,
PROVEN SUCCESS

High-quality experienced Borrowers, with proven success in their local markets.
Drive change by expanding access to DeFi’s global potential, via Goldfinch’s
novel decentralized vetting.

Become a Borrower
Featured Borrowers
Fazz

Almavest

Cauris

Greenway via Almavest

Addem Capital



FAZZ

Fazz, a Southeast Asian Series C fintech, offers seamless payment, savings, and
credit solutions, providing businesses of all sizes an equal opportunity to
build, run and grow.

Headquartered in Singapore and Indonesia, Fazz has over 700 employees spread
across Southeast Asia

Fazz has deployed more than $460 million loans to more than 160,000 unique
borrowers, while keeping loss rates <1.0%, well below industry averages

Fazz has raised more than US$180M of equity from global and local investors
including Tiger Global, B Capital and Y Combinator


ALMAVEST

ALMA Sustainable Finance is an investment management firm that creatively
deploys capital for sustainable development, primarily in Asia, Africa, and
Latin America.

ALMA has successfully borrowed across eight Pools

End-borrowers include Impact Water, supplying over 30,000 schools across central
and eastern Africa with no-fuel systems to make water safe and potable;
Ghana-based Oya, a micro-lender with 82% female borrowers; and many more.

ALMA’s leadership team has nearly 100 combined years of experience building,
scaling and exiting sustainable impact companies.


CAURIS

Cauris is a team bringing DeFi to fintechs, with a mission to drive financial
inclusion by helping small and medium businesses across the Global South scale.

Cauris aims to facilitate access to credit to 100 million people through its
fintech partners in Asia and Africa, starting with their first $5.1M fund on
Goldfinch.

They currently lend in India and are rapidly expanding to Ghana, Nigeria, Kenya,
Uganda, and Rwanda.

Cauris fundamentally believes DeFi will be the future and provides a unique
opportunity to democratize and lower the cost of financing to the fintechs it
partners with.


GREENWAY VIA ALMAVEST

Greenway is an India-based manufacturer and distributor of clean cookstoves that
help combat pollution for low-income consumers in South Asia and sub-Saharan
Africa.

Since May 2021, Greenway has sourced $750,000 from the Goldfinch protocol via
the credit fund Almavest.

Greenway employs ~100 people in Mumbai (HQ), Bangalore, and Vadodara

Each stove costs approximately $30 to produce and distribute and is modeled to
generate about 8.7 tons of carbon offsets through 2025.


ADDEM CAPITAL

Addem Capital is an innovative private debt fund providing small business loans
across Mexico and Latin America, specializing in early stage companies.

With the launch of their $10M Borrower Pool on Goldfinch in 2022, Addem Capital
became Mexico’s first credit fund to utilize crypto capital for off-chain
lending.

They have invested in more than five countries, including Mexico, Colombia,
Chile, Brazil, and US-based entrepreneurs working in LATAM.

Addem Capital’s mission is to help overcome the difficulties small businesses
face obtaining accessible financing in the region.


A GLOBAL NETWORK OF BORROWERS EXPANDING FINANCIAL INCLUSION

Goldfinch Borrower operation in 28 countries


Mission


GOLDFINCH IS DOING WHAT DEFI WAS ALWAYS MEANT TO DO.

Goldfinch is a credit protocol for tomorrow, built on-chain with
interoperability and access for all.

Read our manifesto

Goldfinch is on a mission to expand access to capital by creating a single
global credit marketplace. That means everyone, from startups in Lagos to
institutions in New York, can borrow from the same capital markets and that all
investors can access those deals directly.

For too long, the financial system has been fragmented and owned by everyone
except the users. We believe that crypto offers a reset and that everyone can
participate in this transformative financial renaissance.

Read our manifesto


HOW IT WORKS


Social


WE’RE BUILDING THE FUTURE OF CREDIT—JOIN US!

Goldfinch is decentralized and community-driven, so our community of
contributors is our heart and soul.

If you’re passionate about building a more inclusive, globalized financial
future, welcome home.

Find us on

Recent governance proposals
GIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be
approved? Copy 2
June 4, 2022
GIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be
approved? Copy
June 4, 2022
GIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be
approved?
June 4, 2022
View all


KEEP YOUR NEST EGG SAFE

Security is our top priority. Goldfinch invests heavily in security practices,
including comprehensive testing, regular third-party audits, and a generous bug
bounty.

Industry-leading insurance

Buy industry-leading coverage from Nexus Mutual to hedge against smart contract
risks. Coverage protects your supply of USDC from the unlikely event of a smart
contract bug resulting in a loss of funds.

Two ways to supply
Industry-leading insurance

Buy industry-leading coverage from Nexus Mutual to hedge against smart contract
risks. Coverage protects your supply of USDC from the unlikely event of a smart
contract bug resulting in a loss of funds.

Read the report
Industry-leading insurance

Buy industry-leading coverage from Nexus Mutual to hedge against smart contract
risks. Coverage protects your supply of USDC from the unlikely event of a smart
contract bug resulting in a loss of funds.

Learn more from immunefi
Recent audits

February 15, 2022

View audit

February 15, 2022

View audit

February 15, 2022

View audit

February 15, 2022

View audit

February 15, 2022

View audit
Careers


HELP TRANSFORM LENDING WORLDWIDE

Support Goldfinch’s growth while working with
Warbler Labs.

Latest job openings
Compliance Officer
Remote

Full-Time
Apply
Accounting Manager
San Francisco Bay Area

Full-Time
Apply
Head of Marketing
US Remote

Full-Time
Apply
Chief Investment Officer
NYC Remote

Full-Time
Apply
Senior Product Designer
NYC Remote

Full-Time
Apply
Product Designer
US Remote

Full-Time
Apply
General Opening
US Remote

Full-Time
Apply
View all available jobs
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