铅笔金融在菲律宾和印度尼西亚解决学生贷款：新章？

铅笔融资正在促进菲律宾和印度尼西亚的教育融资。发现他们如何使用区块链使学生贷款更容易获得。

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.

铅笔财务正在迈向菲律宾和印度尼西亚的学生贷款现场，旨在弥合教育融资差距。该分散的贷款初创公司正在测试区块链是否可以有所作为。

On-Chain Capital for Education

教育链资本

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.

铅笔财务已在链上部署了100万美元，以资助菲律宾和印度尼西亚的学生贷款。这笔资本分为两种分支：一项$ 750,000的高级总收益，年收益率为15％，初级批准为250,000美元，带有可变回报和第一损失风险。该计划在EDU Chain上运行，EDU Chain是一个专为教育应用设计的3层区块链。

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.

资金最初由Animoca Brands，Open Campus和NewCampus提供。然后将这些资金分配给教育合作伙伴，例如Erudifi，后者将其转换为当地的法定货币以供学生贷款。尽管该过程旨在分散资本流量和还款，但借款人评估目前仍在集中。

The Problem: High Interest Rates

问题：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.

在新兴市场中，由于缺乏信用记录或抵押品，许多有能力的学生被束缚了教育。现有的融资选择通常带有高高的利率。例如，在菲律宾，学生通常依靠年利率从30％到100％以上的私人贷方。铅笔融资通过Erudifi提供的价格从每月1.9％起，再加上服务费，其有效的年率约为25.34％，比美国高得多

A Transparent Alternative?

透明的选择？

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.

链上学生贷款可以提供更透明的选择。 Bitskwela的首席执行官Jiro Reyes认为，填补这些空白可能会在地图上放置铅笔融资。该发布也与对代币化的现实世界资产的新兴趣相吻合。学生贷款市场的价值约为3.3万亿美元，即使是一小部分，也可能会显着影响区块链空间。

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.

尽管铅笔财务的计划是朝着正确方向迈出的一步，但利率仍然是一个重大障碍。透明度和权力下放的承诺令人信服，但真正的考验将是他们是否可以降低借贷成本并使教育真正容易获得。也许过渡到DAO模型（$ pen代币持有人在该平台上都可以统治该平台，可以引入创新的解决方案和社区驱动的策略，以进一步降低这些成本。

The Future Looks... Educated?

未来的外观...受过教育？

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!

看到铅笔财务正面应对这一挑战，这真是令人兴奋。他们会彻底改变东南亚的学生贷款吗？只有时间会说明，但这绝对是一个值得关注的空间！