Goldfinch (GFI) is the governance and utility token of Goldfinch, a decentralized credit protocol that enables crypto-native and real-world credit markets by connecting borrowers (companies and institutions) with crypto lenders in a non-collateralized, trust-based lending system. Launched in 2021, Goldfinch uses a "backers" and "senior pool" model where junior tranches absorb risk and senior tranches earn stable yields, allowing borrowers to access capital without over-collateralization. The GFI token is used for
staking to earn protocol fees and rewards, governance voting in the Goldfinch
DAO on credit policies and treasury allocation, incentives for auditors and backers, and access to premium features in a
real-world asset (RWA) credit ecosystem secured by audited
smart contracts and focused on bridging crypto capital with real-world businesses.
When Did Goldfinch Launch?
Goldfinch was founded in 2020 and launched its mainnet and GFI token in 2021 after community funding and testnets. The protocol gained traction with early credit pools in 2022, expanded real-world borrower integrations in 2023–2024, and achieved 2025 milestones including new senior pool strategies, cross-chain support, and governance upgrades, maintaining active credit volume and institutional adoption by December 2025.
What Are the Key Features of Goldfinch?
Goldfinch features non-collateralized credit markets for real-world borrowers, junior/senior tranche model for risk-sharing, staking rewards and fee sharing for GFI holders, governance through the Goldfinch DAO, audited security, RWA credit focus, and tools for borrowers, backers, auditors, and
liquidity providers in a decentralized credit ecosystem.
What Is GFI Used For?
GFI is used for staking to earn protocol fees and rewards, voting in Goldfinch DAO governance on credit policies and treasury allocation, providing liquidity for yields, participating in incentive programs, and accessing ecosystem incentives for auditors, backers, and liquidity providers.
What Is the GFI Token Utility?
GFI secures staking for reward distribution and governance participation, powers DAO votes on credit parameters and treasury, captures value from lending fees allocated to stakers, incentivizes auditors and liquidity providers through reward multipliers, and funds ecosystem growth through treasury allocations for development, credit expansion, and RWA integrations.
What Blockchain Does Goldfinch Operate On?
Goldfinch operates on Ethereum for core smart contracts and credit pools, with multi-chain support including Polygon and others for broader accessibility.
What Are GFI Tokenomics?
GFI has a capped supply with circulation from unlocks as of December 2025. Allocation: staking rewards, governance incentives, team vested, liquidity, treasury; deflationary via fee mechanisms.