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Bring crypto loans to the real world.

Goldfinch is a decentralized credit protocol for crypto loans to real businesses. 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.

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.

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's just a few:

Early Contributors

Aaron Collett
Previously Head of Asia Origination at Lendable, EQT, Goldman Sachs
Andrew Huelsenbeck
Previously Director of Global Operations at Branch International
Ann Cai
Previously Strategy at Facebook
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
Carter Appleton
Previously Senior Engineer at Airbnb, Engineering at Microsoft
Chris Robins
Previously General Counsel at Binance.US, Board Member at Blockchain Association, Attorney at Cleary Gottlieb, Analyst at Promontory
Dalton Sweeney
Previously Software Engineer at Coursera
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
Melissa Nelson
Previously Content Strategist for Coinbase Cloud, Content Strategist at Bison Trails, Membership Development Coordinator at Vermont Public Radio
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

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 Updates
Sign up to receive alerts the moment Borrower Pools open for Backer deposits, so you can invest before the opportunity closes. Get a heads-up on upcoming pools, live launch notifications, and direct access to deal datarooms.
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