Bring crypto loans to the real world.

Goldfinch is a decentralized credit platform for crypto loans without collateral. This is the missing piece that finally unlocks crypto lending for most people in the world.

Read our announcement

Real-world impact

Goldfinch expands access to capital in emerging markets where crypto can truly empower financial inclusion.

10K+ borrowers and growing

The protocol is already serving thousands of borrowers across Mexico, Nigeria, and Southeast Asia.

Stable 10%+ yield

High-quality borrowers provide expected 10-14% APY from real-world activity uncorrelated with crypto.

How It Works

Liquidity providers contribute capital to the pool, and the pool extends credit lines to lending businesses.
Lending businesses draw down stablecoins from the pool and convert to fiat. Then, they make loans to their end borrowers off chain, just like they already do.

Liquidity providers contribute capital to the pool.

The pool extends credit lines to lending businesses.

Lending businesses draw down stablecoins from the pool and convert to fiat.

Then, they make loans to their end borrowers off chain, just like they already do.

Our Partners

We partner with highly reputable lending businesses with years of strong performance. Here are some of our initial partners, and we will continue to announce more:

Our Team

Michael Sall
Cofounder
Previously Head of Product Analytics at Coinbase, Head of Data Science at Medium
Blake West
Cofounder
Previously Senior Engineer at Coinbase, First Employee at Hint Health
Sanjay Raveendran
Staff Engineer
Previously Staff Engineer Coinbase
Rennick Palley
Founding Team Member
Managing partner at Stratos Technologies

Supported by world-class
investors & advisors

We're hiring!

Mission

We are building a decentralized credit platform that empowers financial inclusion.

We believe there’s vast untapped lending potential in the world. It’s expensive to be a bank today, and this limits the kinds of lenders that can operate. But there are thousands if not millions who could lend with the right system. We’re building a platform that empowers anyone to be a lender, not just banks.

Phase 01

Build a “credit fund on crypto” that makes off-chain sources of yield available and composable on DeFi.

Phase 02

Decentralize the network to allow anyone to propose or evaluate loans, not just the Goldfinch team.

Phase 03

Support smaller and smaller lenders so that anyone can be a lender through the protocol, even individuals.

Build it with us.

Join our community and help us build the future of decentralized, open-access credit.

Investing
Goldfinch is currently open to accredited investors. Expected yields are 10-14% APY. Please reach out for more information.
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