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Goldfinch is on a mission to expand access to capital by creating a single global credit marketplace. That means everyone, from startups in Lagos to institutions in New York, can borrow from the same capital markets and that all investors can access those deals directly.
This overview is a condensed and accessible version of the Goldfinch Whitepaper Version 1.1, published in July 2021, which provides the technical and in-depth explanation of the protocol’s foundations.
Goldfinch is a decentralized, globally accessible credit protocol, with a mission to bring the world’s credit activity on-chain while expanding access to capital and fostering financial inclusion.
Goldfinch is revolutionizing the $1T+ global private debt market by connecting USDC investors to proven, off-chain credit funds and fintechs—so you can access stable yields with competitive, risk-adjusted returns.
The Goldfinch decentralized application (dapp), app.goldfinch.finance, is how Investors, Borrowers, and the rest of the Goldfinch community participate in the protocol. There are only a few high-level steps required to interact with the dapp to start investing:
"Goldfinch" encompasses a few different things, which we should distinguish: The Goldfinch Protocol A set of smart contracts on the Ethereum blockchain, which together comprise a decentralized credit protocol for financing off-chain economic activity.
4.2% — Early Liquidity Provider Program: These tokens are allocated to the early Liquidity Provider program, which incentivized the very first participants to supply capital to the protocol. This program closed in July 2021.
Feb 23, 2022 · Goldfinch will span all global activity, so it will offer an incredibly safe, diversified, reliable yield for stablecoins. Already, we see the earliest signs of this working. In one year, Goldfinch has grown to $69M in active loans across 19 countries and hundreds of thousands of end borrowers.
As a decentralized credit protocol, the Goldfinch Protocol is a medium through which lenders and borrowers come together and exchange value across time. This guide explains how the set of smart contracts that comprise the Protocol work together to accomplish this.
Developer Documentation: A documentation site for developers and those auditing Goldfinch's code, for a deeper technical dive into Goldfinch’s code, smart contract configuration, security, and other technical features.
