https://goldfinch.finance

Goldfinch | The Decentralized Global Credit ProtocolInvest USDC for real yields, from real businesses. Goldfinch's stablecoin returns come from lending to successful credit funds and fintechs in emerging markets, with loans fully collateralized off-chain by real-world assets. Goldfinch offers crypto lenders access to successful emerging market debt deals which have been historically inaccessible outside of exclusive networks, while expanding access to cost-efficient crypto financing that doesn't require crypto collateral.Goldfinch | The Decentralized Global Credit Protocol AboutOverviewMissionDocsWhitepaperOverviewMissionDocsCommunityGovernanceNewsBorrowOpen AppBorrowOpen AppReal yields, from real companies. Really.Stop worrying about crypto money games. Start lending your USDC to real businesses worldwide.Lend nowLearn more7.6%SENIOR POOL USDC APY$99,470,695Active Loan Value$100,13830-Day PROTOCOL RevenueExplore Goldfinch dealsGoldfinch 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 Automated by the protocolGoldfinch Senior PoolUSDC apy7.6%AMOuntVariableDurationOpen Managed by AlmavestCarbon Reduction FintechUSDC apy17.0%AMOunt$10MDuration37 mo. Managed by CaurisAfrican InnovationUSDC apy17.0%AMOunt$10MDuration37 mo. Managed by Addem CapitalLatAm SustainabilityUSDC apy17.0%AMOunt$10MDuration37 mo. Managed by Lend EastEmerging Southeast AsiaUSDC apy17.0%AMOunt$10.15MDuration25 mo.This is some text inside of a div block.You’re in good company“Goldfinch is dramatically expanding lending to more potential borrowers and capital providers.” Arianna Simpsona16z“Among the highest USDC yields in crypto… a big step forward in the next evolution in decentralized finance.” Kunal GoelMessari 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 NoonVariant 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 MaqubelaKindred 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 AboodAccess Ventures“[Goldfinch] is one of the more sophisticated identity-based approaches”Lucas BakerJump Crypto“Goldfinch is dramatically expanding lending to more potential borrowers and capital providers.” Arianna Simpsona16z“Among the highest USDC yields in crypto… a big step forward in the next evolution in decentralized finance.” Kunal GoelMessari 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 NoonVariant 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 MaqubelaKindred 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 AboodAccess Ventures“[Goldfinch] is one of the more sophisticated identity-based approaches”Lucas BakerJump Crypto“Goldfinch is dramatically expanding lending to more potential borrowers and capital providers.” Arianna Simpsona16z“Among the highest USDC yields in crypto… a big step forward in the next evolution in decentralized finance.” Kunal GoelMessari 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 NoonVariant 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 MaqubelaKindred 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 AboodAccess Ventures“[Goldfinch] is one of the more sophisticated identity-based approaches”Lucas BakerJump CryptoBacked by visionariesPut your stablecoins to workUse 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 marketsReal-world returns Liquidity with choices tailored to you.Liquidity options Early birds get the alpha.Sign up for weekly Goldfinch updatesThank you! You are now subscribed.Oops! Something went wrong while submitting the form.BACKERSInvest directly in previously exclusive dealsEvaluate 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.InvestLearn moreSENIOR POOLAn automated high-yield portfolio in one stepDeposit 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.InvestLearn moreRewardsIncentives to match your needsCommunity-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 moreIntroducing GFIView it on:CoinbaseGeminiCoingeckoToken terminalDuneQuadratic voting. Rewards. Community power. Incentives. Staking. Grants. Liquidity mining. Do it all with Goldfinch’s native token, GFI.Learn moreBorrowersProven Borrowers,proven successHigh-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 BorrowerFeatured BorrowersFazzAlmavestCaurisGreenway via AlmavestAddem CapitalFazzFazz, 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 AsiaFazz has deployed more than $460 million loans to more than 160,000 unique borrowers, while keeping loss rates <1.0%, well below industry averagesFazz has raised more than US$180M of equity from global and local investors including Tiger Global, B Capital and Y CombinatorAlmavestALMA 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 PoolsEnd-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.CaurisCauris 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 AlmavestGreenway 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 VadodaraEach stove costs approximately $30 to produce and distribute and is modeled to generate about 8.7 tons of carbon offsets through 2025.Addem CapitalAddem 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 inclusionGoldfinch Borrower operation in 28 countriesMissionGoldfinch 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 manifestoGoldfinch 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 manifestoHow it worksSocialWe’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 onRecent governance proposalsGIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be approved? Copy 2June 4, 2022GIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be approved? CopyJune 4, 2022GIP-13: Should "Tokenomics Update Phase 1: Membership Vaults" proposal be approved?June 4, 2022View allKeep your nest egg safeSecurity is our top priority. Goldfinch invests heavily in security practices, including comprehensive testing, regular third-party audits, and a generous bug bounty.Industry-leading insuranceBuy 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 supplyIndustry-leading insuranceBuy 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 reportIndustry-leading insuranceBuy 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 immunefiRecent auditsFebruary 15, 2022View auditFebruary 15, 2022View auditFebruary 15, 2022View auditFebruary 15, 2022View auditFebruary 15, 2022View auditCareersHelp transform lending worldwideSupport Goldfinch’s growth while working with Warbler Labs.Latest job openingsManaging Director - RIA Business DevelopmentNYC RemoteFull-TimeApplyAnalyst, Credit InvestmentsNYC RemoteFull-TimeApplyManaging Director - Business DevelopmentNYC RemoteFull-TimeApplyDirector, Head of Research (Heron Finance)NYC RemoteFull-TimeApplyView all available jobsLegalTermsPrivacyFind us onCoinGeckoCoinMarketCapDefi LlamaDune AnalyticsSOCIALDiscordMediumSubstackTelegramTwitterProtocolWhitepaperGovernanceGithubDev DocsContactCareers1730413501https://goldfinch.finance

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