Goldfinch (GFI) is the native token of Goldfinch Protocol, a decentralised credit platform that enables crypto loans without the need for crypto collateral. By leveraging off-chain collateral and credit assessments through community consensus, Goldfinch aims to expand access to capital in emerging markets. Its core mission is to bridge traditional financial systems with decentralised finance (DeFi), promoting broader financial inclusion.
Goldfinch is notable for:
Goldfinch operates on the Ethereum blockchain, using ERC-20 tokens and a hybrid governance model that combines decentralised governance with community-based trust mechanisms.
Key components of the protocol include:
Smart contracts manage everything from lending logic to token distribution, with a layered architecture separating core and user-facing interactions.
Goldfinch has broad applications across decentralised and traditional finance sectors. Notable use cases include:
Target industries include:
Goldfinch has formed partnerships with major financial players such as Apollo, Ares, and KKR, and recently collaborated with Plume Network for RWA staking, reflecting its growing role in institutional-grade DeFi.
Goldfinch Protocol was founded in 2020 by Mike Sall and Blake West, software developers with a vision to tackle global financial inequality using decentralised technology.
Key milestones include:
Goldfinch has steadily evolved from a niche DeFi lending platform to a significant player in the tokenisation of real-world credit markets, supported by both decentralised communities and traditional financial institutions.