Borrowed coins are not included into TVL by default, to include them toggle Borrows. For more info on this click here.
Protocol 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.
Category:RWA Lending
Methodology
TVL: TVL is calculated based on totalAssets() (WEDU tokens) held by the Pencil Finance Staking Vault on EduChain (OCC chain).