Ask about Pencil Finance · freeProtocol Information
Pencil Finance is a DeFi lending protocol that tokenizes real-world student loans, offering risk-adjusted yields via a dual-tranche system backed by off-chain repayments.
Sub Category: Private Credit
Methodology
TVL: TVL is calculated based on totalAssets() (WEDU tokens) held by the Pencil Finance Staking Vault on EduChain (OCC chain).View code on GitHubCompetitors
Pencil Finance history
TVL is the default DefiLlama definition. Daily values are UTC snapshots from Apr 29, 2025 to Oct 27, 2026.
All-time high TVL: $13.26m on Oct 27, 2025. All-time low TVL: $4 on Jun 7, 2026.
Daily TVL, Sep 28, 2026 to Oct 27, 2026
| Date | TVL |
|---|---|
| Sep 28, 2026 | $0 |
| Sep 29, 2026 | $0 |
| Sep 30, 2026 | $0 |
| Oct 1, 2026 | $0 |
| Oct 2, 2026 | $0 |
| Oct 3, 2026 | $0 |
| Oct 4, 2026 | $0 |
| Oct 5, 2026 | $0 |
| Oct 6, 2026 | $0 |
| Oct 7, 2026 | $0 |
| Oct 8, 2026 | $0 |
| Oct 9, 2026 | $0 |
| Oct 10, 2026 | $0 |
| Oct 11, 2026 | $0 |
| Oct 12, 2026 | $0 |
| Oct 13, 2026 | $0 |
| Oct 14, 2026 | $0 |
| Oct 15, 2026 | $0 |
| Oct 16, 2026 | $0 |
| Oct 17, 2026 | $0 |
| Oct 18, 2026 | $0 |
| Oct 19, 2026 | $0 |
| Oct 20, 2026 | $0 |
| Oct 21, 2026 | $0 |
| Oct 22, 2026 | $0 |
| Oct 23, 2026 | $0 |
| Oct 24, 2026 | $0 |
| Oct 25, 2026 | $0 |
| Oct 26, 2026 | $0 |
| Oct 27, 2026 | $0 |
TVL at each month end, Apr 2025 to Oct 2026
| Date | TVL |
|---|---|
| Apr 30, 2025 | $10.42m |
| May 31, 2025 | $9.41m |
| Jun 30, 2025 | $9.24m |
| Jul 31, 2025 | $9.2m |
| Aug 31, 2025 | $9.56m |
| Sep 30, 2025 | $9.16m |
| Oct 31, 2025 | $12.05m |
| Nov 30, 2025 | $11.64m |
| Dec 31, 2025 | $11.12m |
| Jan 31, 2026 | $25 |
| Feb 28, 2026 | $19 |
| Mar 31, 2026 | $19 |
| Apr 30, 2026 | $7 |
| May 31, 2026 | $7 |
| Jun 30, 2026 | $5 |
| Jul 31, 2026 | $5 |
| Aug 31, 2026 | $0 |
| Sep 30, 2026 | $0 |
| Oct 27, 2026 (latest) | $0 |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/pencil-finance
Frequently asked questions
What is Pencil Finance's TVL?
As of Oct 27, 2026, Pencil Finance has $0 in total value locked.
What chains does Pencil Finance operate on?
Pencil Finance operates on EDU Chain.
How does Pencil Finance's TVL compare to similar protocols?
Among RWA protocols tracked by DefiLlama, Pencil Finance ranks #138 by TVL. The category holds $4.1b across 176 protocols, and Pencil Finance accounts for 0% of that total. Similar protocols include Ethena USDtb, Re, Huma, OnRe, Anemoy Capital, USD AI, OpenTrade, Plume Vaults, R25, and RealT Tokens.