{"id":846410,"date":"2025-05-07T09:12:00","date_gmt":"2025-05-07T14:12:00","guid":{"rendered":"https:\/\/newsycanuse.com\/index.php\/2025\/05\/07\/pencil-finance-turns-student-loans-into-rwa-yields\/"},"modified":"2025-05-07T09:12:00","modified_gmt":"2025-05-07T14:12:00","slug":"pencil-finance-turns-student-loans-into-rwa-yields","status":"publish","type":"post","link":"https:\/\/newsycanuse.com\/index.php\/2025\/05\/07\/pencil-finance-turns-student-loans-into-rwa-yields\/","title":{"rendered":"Pencil Finance Turns Student Loans into RWA Yields"},"content":{"rendered":"<div>\n<p><a href=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683.jpg\" data-caption><img loading=\"lazy\" decoding=\"async\" width=\"696\" height=\"365\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-696x365.jpg\"   alt=\"Pencil Finance Turns Student Loans into RWA Yields\" title=\"bitcoin &#038; altcoin - 2025-05-06T150654.683\" data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20696%20365'%3E%3C\/svg%3E\" data-lazy-srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-696x365.jpg 696w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-300x158.jpg 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-1024x538.jpg 1024w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-768x403.jpg 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-800x420.jpg 800w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-1068x561.jpg 1068w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683.jpg 1200w\" data-lazy-src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/bitcoin-altcoin-2025-05-06T150654.683-696x365.jpg\"><\/a><\/p>\n<h4 data-start=\"112\" data-end=\"462\"><strong>Traditional lenders often charge sky-high interest rates, and the system leaves little room for innovation or fairness. At the same time, investors seeking yield are stuck with dull options and low returns.<\/strong><\/h4>\n<p class data-start=\"464\" data-end=\"781\">That is what <a href=\"https:\/\/x.com\/pencilfinance_\" target=\"_blank\" rel=\"noopener\">Pencil Finance<\/a> wants to solve. This new real-world asset (RWA) protocol has just launched its V0 version on the EDU Chain mainnet.<\/p>\n<h5 data-start=\"783\" data-end=\"801\"><strong data-start=\"783\" data-end=\"799\">How Pencil Finance Works<\/strong><\/h5>\n<p class data-start=\"803\" data-end=\"960\">The process is simple but powerful. Lenders upload actual student loans into the protocol. From there, investors can choose how they want to participate:<\/p>\n<ul data-start=\"962\" data-end=\"1096\">\n<li class data-start=\"962\" data-end=\"1032\">\n<p class data-start=\"964\" data-end=\"1032\">Fixed yield options offer lower risk with predictable returns.<\/p>\n<\/li>\n<li class data-start=\"1033\" data-end=\"1096\">\n<p class data-start=\"1035\" data-end=\"1096\">High-yield options bring higher risk but bigger upside.<\/p>\n<\/li>\n<\/ul>\n<p class data-start=\"1098\" data-end=\"1341\">Once funds are committed, capital goes directly to students. Repayments are streamed transparently back to investors using smart contracts. That means no banks, no third-party fees, and no hidden fine print\u2014just open, auditable transactions.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-300x222.jpg\" alt width=\"672\" height=\"497\"   data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20672%20497'%3E%3C\/svg%3E\" data-lazy-srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-300x222.jpg 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-1024x756.jpg 1024w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-768x567.jpg 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-569x420.jpg 569w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-80x60.jpg 80w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-696x514.jpg 696w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-1068x789.jpg 1068w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08.jpg 1190w\" data-lazy-src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.31.08-300x222.jpg\"><\/p>\n<h6 data-start=\"1098\" data-end=\"1341\"><strong>Source: <a href=\"https:\/\/x.com\/pencilfinance_\/status\/1917400217282044146\" target=\"_blank\" rel=\"noopener\">X<\/a><\/strong><\/h6>\n<p class data-start=\"1343\" data-end=\"1611\">The first loan is already live, with over $10 million committed. Backed by industry players like Animoca Brands, HackQuest, and Open Campus, this protocol shows what happens when blockchain meets one of the country\u2019s biggest financial challenges.<\/p>\n<h5 data-start=\"1613\" data-end=\"1633\"><strong data-start=\"1613\" data-end=\"1631\">Why Converting Student Loans into RWA tokens Matters?<\/strong><\/h5>\n<p class data-start=\"1635\" data-end=\"1814\">For students, this could be life-changing. With direct access to capital, more people may be able to afford higher education without going deep into debt with predatory lenders.<\/p>\n<p class data-start=\"1816\" data-end=\"2036\">For investors, it\u2019s a fresh alternative to stale financial products. Instead of earning 3% on a bond or parking funds in uncertain <a href=\"https:\/\/www.altcoinbuzz.io\/?s=defi\" target=\"_blank\" rel=\"noopener\">DeFi<\/a> pools, you\u2019re supporting real education and getting yield backed by tangible debt.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.35.05-289x300.jpg\" alt width=\"694\" height=\"720\"   data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%20694%20720'%3E%3C\/svg%3E\" data-lazy-srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.35.05-289x300.jpg 289w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.35.05-985x1024.jpg 985w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.35.05-404x420.jpg 404w\" data-lazy-src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2025\/05\/Captura-de-pantalla-2025-05-06-a-las-15.35.05-289x300.jpg\"><\/p>\n<h6 data-start=\"1816\" data-end=\"2036\"><strong>Source: <a href=\"https:\/\/x.com\/pencilfinance_\/status\/1917400229562966323\" target=\"_blank\" rel=\"noopener\">X<\/a><\/strong><\/h6>\n<p class data-start=\"2038\" data-end=\"2364\">This model also fits a growing trend: the tokenization of real-world assets. According to a <a href=\"https:\/\/web-assets.bcg.com\/1e\/a2\/5b5f2b7e42dfad2cb3113a291222\/on-chain-asset-tokenization.pdf\" target=\"_blank\" rel=\"noopener\">report<\/a> by Boston Consulting Group, the RWA market could reach $16 trillion by 2030, and protocols like Pencil Finance are leading the way by showing how tokenized debt can serve public good while offering attractive returns.<\/p>\n<h5 data-start=\"2366\" data-end=\"2400\"><strong data-start=\"2366\" data-end=\"2398\">Rethinking Education Funding<\/strong><\/h5>\n<p class data-start=\"2402\" data-end=\"2690\">If Pencil Finance scales, it could reshape how Americans fund education. By reducing reliance on traditional banks, cutting interest rates, and introducing transparency into student lending, this protocol hints at a peer-powered future where education isn\u2019t held hostage by Wall Street.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner.jpg\"   alt width=\"1197\" height=\"148\" data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201197%20148'%3E%3C\/svg%3E\" data-lazy-srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner.jpg 1197w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-300x37.jpg 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1024x127.jpg 1024w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-768x95.jpg 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-696x86.jpg 696w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1068x132.jpg 1068w\" data-lazy-src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner.jpg\"><\/p>\n<h6><strong>Disclaimer<\/strong><\/h6>\n<p>The information discussed by Altcoin Buzz is not financial advice. This is for educational, entertainment, and informational purposes only. Any information or strategies are thoughts and opinions relevant to the accepted risk tolerance levels of the writer\/reviewers, and their risk tolerance may differ from yours. We are not responsible for any losses you may incur due to any investments directly or indirectly related to the information provided. Bitcoin and other cryptocurrencies are high-risk investments, so please do your due diligence. Copyright Altcoin Buzz Pte Ltd.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.altcoinbuzz.io\/cryptocurrency-news\/pencil-finance-turns-student-loans-into-rwa-yields\/\" class=\"button purchase\" rel=\"nofollow noopener\" target=\"_blank\">Read More<\/a><br \/>\n Michele Center<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Traditional lenders often charge sky-high interest rates, and the system leaves little room for innovation or fairness. At the same time, investors seeking yield are stuck with dull options and low returns. That is what Pencil Finance wants to solve. This new real-world asset (RWA) protocol has just launched its V0 version on the EDU<\/p>\n","protected":false},"author":1,"featured_media":846411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26943,32857],"tags":[],"class_list":{"0":"post-846410","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance","8":"category-pencil"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/846410","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/comments?post=846410"}],"version-history":[{"count":0,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/846410\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media\/846411"}],"wp:attachment":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media?parent=846410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/categories?post=846410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/tags?post=846410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}