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 India, 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

Borrowers propose pools (with terms like the interest rate) for the Backers to assess.
Backers then supply capital to the junior tranches of Borrower Pools.
Liquidity Providers supply capital to the Senior Pool. The protocol automatically allocates the Senior Pool to the senior tranches of Borrower Pools.

Liquidity Providers supply capital to the Senior Pool. The protocol automatically allocates the Senior Pool to the senior tranches of Borrower Pools.

Borrowers propose pools (with terms like the interest rate) for the Backers to assess

Backers supply capital to the junior tranches of Borrower Pools.

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

Andrew Huelsenbeck
Head of Operations
Previously Director of Global Operations at Branch International
Blake West
Cofounder
Previously Senior Engineer at Coinbase, First Employee at Hint Health
Ian Hinsdale
Senior Engineer
Previously Founder at Giraf; Engineering at Optimizely; Research at IMF, The World Bank
Mark Hudnall
Staff Engineer
Previously Staff Engineer at Coinbase, Engineering at Twilio, Cofounder & CTO at Clef
Michael Sall
Cofounder
Previously Head of Product Analytics at Coinbase, Head of Data Science at Medium
Obinna Okwodu
Credit Manager
Previously Cofounder & CEO at Fibre, Investment Banking at Morgan Stanley
Rennick Palley
Founding Team Member
Managing partner at Stratos Technologies
Samuel Eyob
Chief Investment Officer
Previously Principal at Lendable, Credit Risk at Goldman Sachs
Sanjay Raveendran
Staff Engineer
Previously Staff Engineer at Coinbase, Engineering at Yelp

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.

Backer Program
We are excited to announce the Backer Program! This is an incentivized program for the community to participate in the first deals on the protocol. Register for more details in the coming weeks.
Register