Decentralized credit protocol enabling undercollateralized loans to vetted real-world borrowers (emerging-markets fintechs, private credit funds). All participants gated by Unique Identity (UID), a non-transferable NFT representing KYC/KYB and US accreditation status. Goldfinch Prime brings institutional private credit funds onchain.
- 01undercollateralized credit exposure
- 02emerging-markets private credit
- 03Goldfinch Prime institutional funds
- 04UID-gated investor flows
- 05senior/junior tranche borrower pools
| Variable | Scope | Description |
|---|---|---|
| GOLDFINCH_UID_ADDRESS | Client | UniqueIdentity (UID) NFT contract on Ethereum: 0xba0439088dc1e75F58e0A7C107627942C15cbb41. |
| GOLDFINCH_SENIOR_POOL_ADDRESS | Client | Senior Pool contract (FIDU): 0x8481a6EbAf5c7DABc3F7e09e44A89531fd31F822. |
Use Goldfinch for undercollateralized credit. Every wallet must hold a Unique Identity (UID) NFT (`0xba0439088dc1e75F58e0A7C107627942C15cbb41`) before it can supply or borrow — types: 0 (non-US individual), 1 (US accredited), 2 (US non-accredited), 3 (US entity), 4 (non-US entity). Mint UID via `idVerified.persona-identities.com` after KYC. Lenders pick a strategy: (a) Senior Pool — supply USDC to `SeniorPool.deposit`, receive FIDU at `0x8481a6EbAf5c7DABc3F7e09e44A89531fd31F822`, automatically diversified across borrower pools' senior tranches; or (b) Backer of a specific Tranched Pool — supply USDC to a junior tranche for first-loss yield. Goldfinch Prime exposes regulated private-credit fund tokens to allowlisted institutional wallets. Always check `UniqueIdentity.balanceOf(wallet, idType) > 0` before any deposit call to fail fast.
- ⚑Wallet MUST have a UID NFT of the right type; deposits revert otherwise — front-run the failure with a UID-mint flow via Persona.
- ⚑FIDU is technically transferable but only between wallets that BOTH hold compatible UIDs — naive transfers to non-KYC'd wallets revert.
- ⚑Junior-tranche Backer positions take first loss on default; surface the borrower default history (Goldfinch publishes it) in your UX.
- ⚑US non-accredited holders (UID type 2) are subject to extra restrictions and may be excluded from new pools; check pool eligibility per UID type.
- ⚑Withdrawals from the Senior Pool are subject to available liquidity — large redeems may be limited to the unallocated capital.
- ⚑Goldfinch Prime is institutional-only (UID type 1/3/4) and uses separate pool contracts — do not mix with the legacy Senior Pool flow.