Goldfinch is a decentralized, globally accessible credit protocol, with a mission to bring the world’s credit activity on-chain while expanding access to capital and fostering financial inclusion. The protocol makes crypto loans without requiring crypto collateral—the missing piece that finally unlocks access to cryptocurrency capital for most people in the world. By incorporating the principle of trust through consensus Goldfinch creates a way for borrowers to show creditworthiness based on the collective assessment of other participants, rather than based on over-collateralizing with crypto assets.