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Goldfinch is a decentralized credit platform that broadens the pool of potential lenders beyond just banks. It operates as an open marketplace for loans without collateral and employs a decentralized loan underwriting process. Goldfinch’s design is based on two beliefs: (1) that in the 2020s decade, low real bond yields will drive investors to demand new investment opportunities and (2) that global economic activity over this same period will increasingly move on chain, making every transaction programmable. By providing a way for borrowers to show creditworthiness based on the collective assessment of other participants, Goldfinch seeks to make borrowing more accessible, particularly to individuals and businesses in developing countries.

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