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GoldfinchUNVERIFIED PLATFORM
UNVERIFIED PLATFORM
Lending
UNVERIFIED PLATFORM
Snapshot
Open to All Investors
Lending
4.5% - 12%
25+ Employees
With decades of experience in crypto, venture capital and data science
7%-14%
Target Return
Uncorrelated to crypto markets
Medium
Liquidity
Users can withdraw every two weeks
25+ Employees
With decades of experience in crypto, venture capital and data science
How You Earn
Income
Invest From
$1
Invest in
Lending
25+ Employees
With decades of experience in crypto, venture capital and data science
Open to All Investors
Top Perks of Investing in Lending
Private Sector Credit in the United States reached a total of $12.07 billion as of February 2023.
Private lending typically offers higher income and return potential with a lower correlation to traditional fixed-income markets.
Investing with stablecoins minimizes price volatility by remaining as close to their pegged asset as possible.
Hedge against crypto market volatility with largely uncorrelated returns.
Can I trust Goldfinch?
Goldfinch is backed by prominent venture firms like a16z crypto, Y Combinator Continuity Fund, Coinbase Ventures.
8,000+
# of Users
$37M
Amount Raised
14+
Offerings
# of Users
8,000+
Amount Raised
$37M
Offerings
14+
8,000+
# of Users
$37M
Amount Raised
14+
Offerings
Overview
Private credit is a $7 trillion asset class providing loans and debt financing to non-bank lenders. Historically, only institutions were able to invest in private credit to earn high yields with a low correlation to stocks and crypto.
Goldfinch is a global decentralized credit protocol that allows investors to diversify their crypto portfolios by investing in low volatility, 90-day liquid private credit deals. Founded in 2021, Goldfinch users have incurred zero losses to date.
High Yield
11% average APY
Low Correlation
To stocks and crypto
Debt
Provide loans to real businesses
Goldfinch Pros & Cons
The Good
Low correlation to stock and crypto markets.
Low $1 minimum investment.
Zero losses to date.
Available to US & non-US citizens.
The Not-So-Good
Deals can default and lead to losses, though Goldfinch hasn’t had any losses to date.
Fixed-term investments are not highly liquid.
10% of interest payments go to the Goldfinch treasury.
Goldfinch Track Record
$100M
Deals Funded
Since 2021
$22M
In Repayments to Date
With 0 losses
11%
Average APY
Across all loans
Lending Returns Calculator
Calculate how much you can earn by investing in Private Loans. Results vary based on the investment amount, term, and other conditions.
Invested
$3,400
Projected Fees
$61.32
Projected return
$339.81
Value after fees
$3,739.81
How it Works
Here’s how Goldfinch helps users earn high yields with decentralized credit.
Here’s how Goldfinch helps users earn high yields with decentralized credit.
1
Sign up to Goldfinch
Goldfinch is available to non-US and accredited US-Investors. Link your wallet of choice to the Goldfinch platform. Supported wallets include MetaMask, Coinbase Wallet.
2
Complete KYC and accreditation
After linking your wallet, complete Know Your Customer (KYC) and accreditation (this is done by minting a UID) to prove your identity.
3
Invest USDC
Select the private credit deal you would like to invest in and deposit USDC. Various Liquidity providers add capital to the pool. The lending businesses get extended credit lines by the pool.
4
Earn monthly USDC yield
Receive monthly interest payments and any principal payments from the borrowers. After the investment period ends, receive your full principal investment plus any interest accrued.
UNVERIFIED PLATFORM
Press Coverage
How You
Make Money
Goldfinch lets users select the private credit deals they would like to invest in. Once invested, users earn a return from monthly interest payments and any principal repayments from the borrowers.
Interest Payments
Monthly interest payments from borrowers
How Goldfinch
Makes Money
Goldfinch does not charge any fees to investors in Deals. 10% of interest payments go to the Goldfinch treasury while the other 90% is allocated to investors in the Deals. The Senior Pool generates revenue from a 0.5% exit fee on withdrawals.
10%
Commissions
On interest payments
0.5%
Fee
On senior pool withdrawals
How You’re Taxed
Goldfinch’s lending investments are subject to income tax, with the exact rate depending on the taxpayer's country of residence, and personal income tax bracket.
Investors are not expected to trigger a taxable event until their investments generate interest payments.
Federal, state and local taxes also affect the total tax burden associated with the investment. For more clarity, consult with an advisor before making an investment.
10-37%
Income Tax
Your rate will depend on your tax bracket and filing status
Meet the Team
Goldfinch has a team of over 25 people with decades of experience in crypto, venture capital and data science.
The team is led by Mike Sall, an ex-Coinbase employee. Members of the Credit and Business Operations departments have also held positions at Goldman Sachs, Morgan Stanley, UBS, IMF, and the World Bank.
Recent Activity
Who’s Investing In Lending & Crypto?
Goldfinch
Lending
Here's what you'll need to invest on Goldfinch
All residents
Accredited US investors + non-accredited non-US investors
All residents
Accredited US investors + non-accredited non-US investors
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FAQs
Goldfinch is a decentralized private credit marketplace that enables users to access low volatility, private credit deals with cryptocurrency stablecoins.
Goldfinch is a legitimate platform, with 8,000+ users, $100M in active loans, and backed by legendary venture capital firms like a13z.
Goldfinch works by getting various liquidity providers (you) into a pool. Real world businesses, in turn, get credit lines by the pool. Liquidity providers get monthly interest payments in USDC.
Goldfinch has two native tokens — GFI and FIDU. GFI has several use cases, such as governance voting. FIDU, on the other hand, serves as proof of deposit to the project’s senior pool.