鉛筆金融在菲律賓和印度尼西亞解決學生貸款：新章？

鉛筆融資正在促進菲律賓和印度尼西亞的教育融資。發現他們如何使用區塊鏈使學生貸款更容易獲得。

Pencil Finance is diving headfirst into the student loan scene in the Philippines and Indonesia, aiming to bridge the education financing gap. This decentralized lending startup is testing whether blockchain can make a difference.

鉛筆財務正在邁向菲律賓和印度尼西亞的學生貸款現場，旨在彌合教育融資差距。該分散的貸款初創公司正在測試區塊鍊是否可以有所作為。

On-Chain Capital for Education

教育鏈資本

Pencil Finance has deployed $1 million in on-chain capital to fund student loans in the Philippines and Indonesia. This capital is split into two tranches: a $750,000 senior tranche with a fixed 15% annual yield and a $250,000 junior tranche with variable returns and first-loss risk. The initiative operates on EDU Chain, a Layer-3 blockchain designed for educational applications.

鉛筆財務已在鏈上部署了100萬美元，以資助菲律賓和印度尼西亞的學生貸款。這筆資本分為兩種分支：一項$ 750,000的高級總收益，年收益率為15％，初級批准為250,000美元，帶有可變回報和第一損失風險。該計劃在EDU Chain上運行，EDU Chain是一個專為教育應用設計的3層區塊鏈。

How It Works

它如何工作

Funds are initially provided by Animoca Brands, Open Campus, and NewCampus. These funds are then distributed to education partners, like ErudiFi, who convert them into local fiat currencies for student loans. While the process aims to decentralize capital flow and repayments, borrower evaluation remains centralized for now.

資金最初由Animoca Brands，Open Campus和NewCampus提供。然後將這些資金分配給教育合作夥伴，例如Erudifi，後者將其轉換為當地的法定貨幣以供學生貸款。儘管該過程旨在分散資本流量和還款，但藉款人評估目前仍在集中。

The Problem: High Interest Rates

問題：高利率

In emerging markets, many capable students are locked out of education due to a lack of credit history or collateral. Existing financing options often come with sky-high interest rates. In the Philippines, for example, students often rely on private lenders with annual interest rates ranging from 30% to over 100%. Pencil Finance, through ErudiFi, offers rates starting at 1.9% per month, plus service fees, which still compounds to an effective annual rate of approximately 25.34%, much higher than in the U.S.

在新興市場中，由於缺乏信用記錄或抵押品，許多有能力的學生被束縛了教育。現有的融資選擇通常帶有高高的利率。例如，在菲律賓，學生通常依靠年利率從30％到100％以上的私人貸方。鉛筆融資通過Erudifi提供的價格從每月1.9％起，再加上服務費，其有效的年率約為25.34％，比美國高得多

A Transparent Alternative?

透明的選擇？

On-chain student loans could provide a more transparent alternative. Jiro Reyes, CEO of Bitskwela, believes that filling these gaps could put Pencil Finance on the map. This launch also aligns with renewed interest in tokenized real-world assets. The student loan market is valued at approximately $3.3 trillion, and tokenizing even a fraction of it could significantly impact the blockchain space.

鏈上學生貸款可以提供更透明的選擇。 Bitskwela的首席執行官Jiro Reyes認為，填補這些空白可能會在地圖上放置鉛筆融資。該發布也與對代幣化的現實世界資產的新興趣相吻合。學生貸款市場的價值約為3.3萬億美元，即使是一小部分，也可能會顯著影響區塊鏈空間。

My Take

我的看法

While Pencil Finance's initiative is a step in the right direction, the interest rates remain a significant hurdle. The promise of transparency and decentralization is compelling, but the real test will be whether they can drive down borrowing costs and make education truly accessible. Perhaps the transition to a DAO model, where $PEN token holders govern the platform, could introduce innovative solutions and community-driven strategies to further reduce these costs.

儘管鉛筆財務的計劃是朝著正確方向邁出的一步，但利率仍然是一個重大障礙。透明度和權力下放的承諾令人信服，但真正的考驗將是他們是否可以降低借貸成本並使教育真正容易獲得。也許過渡到DAO模型（$ pen代幣持有人在該平台上都可以統治該平台，可以引入創新的解決方案和社區驅動的策略，以進一步降低這些成本。

The Future Looks... Educated?

未來的外觀...受過教育？

It's exciting to see Pencil Finance tackling this challenge head-on. Will they revolutionize student loans in Southeast Asia? Only time will tell, but it's definitely a space to watch!

看到鉛筆財務正面應對這一挑戰，這真是令人興奮。他們會徹底改變東南亞的學生貸款嗎？只有時間會說明，但這絕對是一個值得關注的空間！