Pencil Finance

Pencil Finance is a decentralized lending protocol designed to revolutionize the US dollar-denominated student loan market by leveraging blockchain technology. Recognizing the inefficiencies and lack of transparency in traditional student loan systems, we aim to provide a secure, transparent, and accessible alternative. Built on a robust smart contract framework, our platform enables peer-to-peer lending with automated interest rate calculations and real-time collateral tracking. By eliminating