# Pencil Finance

> Bringing $3 Trillion Student Loans On-Chain

Pencil Finance lets users invest in tokenized student loan bundles through a dual-tranche model, offering fractional exposure and on-chain returns.

Pencil Finance helps investors access tokenized student loan portfolios by connecting verified loan originators with on-chain capital. Users can allocate to Senior or Junior tranches with defined payoff rules and track repayments on-chain. The platform focuses on transparent cash flow, risk separation, and structured redemptions.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2025-04-01
- Profile: https://thegrid.id/profiles/pencil_finance

## Products

- [Pencil Finance](https://thegrid.id/profiles/pencil_finance): Pencil Finance is an RWA platform that tokenizes student loan portfolios into investable bundles using Senior ERC-20 and Junior ERC-721 tranches. Users allocate by risk profile and receive repayments on-chain according to tranche priority rules. (RWA Tokenisation Platform, Live, Main Product)

## Assets

- [GROW Token (GROW)](https://thegrid.id/profiles/pencil_finance): GROW is the utility token representing the Senior Tranche in Pencil Finance's dual-tranche student loan RWA protocol. It is used to provide liquidity to tokenized student loan bundles in exchange for fixed returns with lower risk compared to the Junior Tranche. The token enables holders to earn yield from education loan repayments managed transparently on-chain through smart contracts. (Utility)

## Links

- [Main](https://www.pencilfinance.io)
- [Documentation](https://pencil-finance.gitbook.io)
- [Twitter / X](https://x.com/pencilfinance_)
- [GitHub](https://github.com/zvy22606/pencil-finance-contract-solana)
- [Telegram](https://t.me/pencilfinanceprotocol)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP