Real-world impact

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

200k+ borrowers and growing

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

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.

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

Backers supply capital to the junior tranches of Borrower Pools.

Read the full whitepaper

Early Contributors

Aaron Collett

Previously Head of Asia Origination at Lendable, EQT, Goldman Sachs

Andrew Huelsenbeck

Previously Director of Global Operations at Branch International

Anna Spisak

Previously Head of Design at Scratch.fi, Design Manager at Clover Health

Blake West

Previously Senior Engineer at Coinbase, First Employee at Hint Health

Ezza Naveed

Previously BS at Minerva University, Community Marketing at Devsisters

Greg Egan

Previously Engineering Manager at Airbnb, Engineering at ESPN

Ian Hinsdale

Previously Founder at Giraf; Engineering at Optimizely; Research at IMF, The World Bank

Mark Hudnall

Previously Staff Engineer at Coinbase, Engineering at Twilio, Cofounder & CTO at Clef

Michael Sall

Previously Head of Product Analytics at Coinbase, Head of Data Science at Medium

Obinna Okwodu

Previously Cofounder & CEO at Fibre, Investment Banking at Morgan Stanley

Rennick Palley

Managing partner at Stratos Technologies

Samuel Eyob

Previously Principal at Lendable, Credit Risk at Goldman Sachs

Sanjay Raveendran

Previously Staff Engineer at Coinbase, Engineering at Yelp

Taylor Dunstan

Previously Philanthropic Advisor & Chief of Staff in Morgan Stanley's Family Office Resources

Will Johnston

Previously Senior Software Engineer at Adobe

Supported by world-class
investors & advisors

Alex Pack

Cofounder Dragonfly Capital

Arianna Simpson

Andreessen Horowitz

Balaji Srinivasan

Cofounder Earn, Former CTO Coinbase

Eric Weingarten

Former Head of Product Legal at Coinbase

Ian Lee

IDEO CoLab Ventures

Jaclyn Freeman Hester

Slow Ventures, Cofounder Open Money Initiative

Cofounder Leaf Global Fintech, Founder Juhudi Kilimo

Ngozi Dozie

Cofounder Carbon

Premal Shah

Cofounder Kiva, CBO Branch

Emerging Markets Investor

Zak Holdsworth

Cofounder Hint Health

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.

Join Discord

Get Newsletter